包商银行呼包鄂地区供应链融资模式研究

发布时间：2018-01-04 10:09

本文关键词：包商银行呼包鄂地区供应链融资模式研究　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：在全球一体化的今天,中小企业对国内生产总值的贡献、促进经济快速发展以及实现社会充分就业方面都发挥了不可磨灭的作用,其在国民经济和社会发展中的地位日益突出。但是,由于中小企业资产规模小、人员少、没有可用于抵押的实物资产的特点,它在信贷市场所能享有的金融服务却没有随着其地位的提升而发生过多改变,困扰其发展的融资难问题仍旧长期存在。在这种环境下,供应链融资顺势而生。它从产业链角度将中小企业的信贷风险同链条上的核心企业相对接,着重强调整条供应链的关联度、稳定性以及贸易的真实性,它为解决中小企业融资难的问题提供了一种新的途径。包商银行作为我国西北地区最大的城市商业银行之一,其供应链融资业务开展已经具备较好的市场及客户基础,尤其在内蒙古地区已经形成一定的品牌知名度。通过本文,作者在梳理了供应链及供应链融资等相关理论、概括总结供应链融资的几种典型运作模式及各种模式潜在的风险点的基础上,以包商银行供应链融资业务的开展作为研究对象,结合内蒙古呼包鄂地区的经济特点,分析了包商银行供应链融资的融资模式及其风险控制点,并针对其融资模式和风险控制过程中存在的问题,通过具体实例,提出了相应的模式优化和风险控制强化的应对策略,指出供应链融资对于银行拉动负债业务、改善风险管理、开拓中小市场、培养客户关系管理等方面具有较强的意义。
[Abstract]:In today's global integration, the contribution of small and medium-sized enterprises to GDP, the promotion of rapid economic development and the realization of full employment have played an indelible role. Its position in the national economy and social development is increasingly prominent. However, due to the small scale of small and medium-sized enterprises, there are few personnel, there is no real assets that can be used for mortgage. However, the financial services it can enjoy in the credit market have not changed too much with the advancement of its status, and the financing difficulties that haunt its development still exist for a long time. Supply chain financing comes into being from the angle of industrial chain. It docks the credit risk of small and medium-sized enterprises with the core enterprises in the chain, and emphasizes the relevance, stability and authenticity of trade in the whole supply chain. It provides a new way to solve the financing problem of small and medium-sized enterprises. As one of the largest city commercial banks in Northwest China, the contractor Bank has a good market and customer base to carry out its supply chain financing business. In particular, in Inner Mongolia has formed a certain brand awareness. Through this article, the author combed the supply chain and supply chain financing and other related theories. On the basis of summing up several typical operation modes of supply chain financing and the potential risk points of various modes, this paper takes the development of supply chain financing business of the contractor bank as the research object. Combined with the economic characteristics of Hubao Hubei region in Inner Mongolia, this paper analyzes the financing mode and risk control points of the supply chain financing of the contractor bank, and aiming at the problems existing in its financing mode and risk control process, through concrete examples. Put forward the corresponding mode optimization and risk control strengthen the response strategy, pointed out that supply chain financing for banks to pull debt business, improve risk management, open up small and medium-sized markets. It is of great significance to cultivate customer relationship management.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F275;F832.33

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