我国商业银行供应链金融风险管理问题研究
发布时间：2018-10-13 19:19
【摘要】：随着中小企业在我国国民经济中的地位不断增强，中小企业已成为我国经济高速持续发展的重要源动力。但是，中小企业由于体制原因及自身先天的不足，很难从商业银行传统的信贷融资模式中获得支持，极大的抑制了中小企业的发展。 近年来,供应链金融作为商业银行提供的一种新型融资模式，规避了传统信贷融资对中小企业在担保等方面的局限性，大大拓展了中小企业的融资途径，因此在我国发展非常迅速。但作为一种创新型金融产品，供应链金融不仅存在传统商业银行信贷业务所具有的各类风险，而且还因引入了供应链而产生具有供应链金融所特有的风险。因此如何通过有效的风险管理，来保证供应链金融的稳定和安全，已成为商业银行进一步发展供应链金融必需考虑的问题。 本文在前人研究成果的基础上，通过理论分析，并结合银行实务，对供应链金融模式的进行研究，，并通过对应收账款融资、保兑仓融资和融通仓融资业务流程的详细阐述，为商业银行利用供应链金融产品和服务有效缓解中小企业的融资问题提供指导。同时，本文详细分析了供应链金融业务所面临的主要风险、不同供应链金融融资模式的风险以及目前商业银行在供应链金融风险管理中存在的问题等，并提出了供应链金融风险管理的对策，主要介绍了完善供应链金融准入体系和银行内部控制体系、建设有效的信息服务平台、健全相关法律法规等策略，以及现金流管理、结构化授信和信贷资产证券化三个重要的风险管理手段，为商业银行供应链金融风险管理提供了可以实际运用的管理方式，对我国商业银行做好供应链金融风险管理工作具有一定的指导意义。
[Abstract]:With the increasing status of small and medium-sized enterprises in our national economy, small and medium-sized enterprises have become an important source of power for the rapid and sustainable development of our economy. However, because of the institutional reasons and their inherent deficiencies, SMEs are difficult to obtain support from the traditional credit financing model of commercial banks, which greatly inhibits the development of SMEs. In recent years, supply chain finance, as a new financing mode provided by commercial banks, has avoided the limitation of traditional credit financing on the guarantee of small and medium-sized enterprises, and has greatly expanded the financing channels of small and medium-sized enterprises. Therefore, the development in our country is very rapid. However, as an innovative financial product, supply chain finance not only has all kinds of risks in the credit business of traditional commercial banks, but also has the unique risk of supply chain finance because of the introduction of supply chain. Therefore, how to ensure the stability and security of supply chain finance through effective risk management has become a problem that commercial banks must consider in the further development of supply chain finance. On the basis of previous research results, this paper studies the supply chain finance model through theoretical analysis, combined with banking practice, and elaborates the business process of accounts receivable financing, confirmed warehouse financing and finance financing. To provide guidance for commercial banks to use supply chain financial products and services to effectively alleviate the financing problems of SMEs. At the same time, this paper analyzes in detail the main risks faced by the supply chain financial business, the risks of different supply chain financial financing models and the problems existing in the supply chain financial risk management of commercial banks. It also puts forward the countermeasures of supply chain financial risk management, mainly introduces the strategies of perfecting supply chain financial access system and bank internal control system, building effective information service platform, perfecting relevant laws and regulations, and cash flow management, etc. Structured credit and credit asset securitization are three important risk management methods, which can be used in commercial banks' supply chain financial risk management. It has certain guiding significance for China's commercial banks to do a good job of supply chain financial risk management.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F274
本文编号：2269651
[Abstract]:With the increasing status of small and medium-sized enterprises in our national economy, small and medium-sized enterprises have become an important source of power for the rapid and sustainable development of our economy. However, because of the institutional reasons and their inherent deficiencies, SMEs are difficult to obtain support from the traditional credit financing model of commercial banks, which greatly inhibits the development of SMEs. In recent years, supply chain finance, as a new financing mode provided by commercial banks, has avoided the limitation of traditional credit financing on the guarantee of small and medium-sized enterprises, and has greatly expanded the financing channels of small and medium-sized enterprises. Therefore, the development in our country is very rapid. However, as an innovative financial product, supply chain finance not only has all kinds of risks in the credit business of traditional commercial banks, but also has the unique risk of supply chain finance because of the introduction of supply chain. Therefore, how to ensure the stability and security of supply chain finance through effective risk management has become a problem that commercial banks must consider in the further development of supply chain finance. On the basis of previous research results, this paper studies the supply chain finance model through theoretical analysis, combined with banking practice, and elaborates the business process of accounts receivable financing, confirmed warehouse financing and finance financing. To provide guidance for commercial banks to use supply chain financial products and services to effectively alleviate the financing problems of SMEs. At the same time, this paper analyzes in detail the main risks faced by the supply chain financial business, the risks of different supply chain financial financing models and the problems existing in the supply chain financial risk management of commercial banks. It also puts forward the countermeasures of supply chain financial risk management, mainly introduces the strategies of perfecting supply chain financial access system and bank internal control system, building effective information service platform, perfecting relevant laws and regulations, and cash flow management, etc. Structured credit and credit asset securitization are three important risk management methods, which can be used in commercial banks' supply chain financial risk management. It has certain guiding significance for China's commercial banks to do a good job of supply chain financial risk management.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F274
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