基于供应链金融的“三农”信贷风险控制研究

发布时间：2018-05-07 14:00

本文选题：服务“三农” + 供应链金融　；参考：《山东大学》2012年硕士论文

【摘要】：服务“三农”是党和国家的战略决策。供应链金融模式的引入,为解决“三农”融资难问题提供了一条有效的途径,因其具有较大的市场潜力,正成为各家银行互相竞争的新领域。供应链金融改变了过去银行等金融机构对单一企业主体的授信模式,充分利用了产业供应链结构特点及对商品交易细节的把握,围绕核心企业对其供应链上的中小成员提供金融支持,这正好符合农业产业化、订单农业、产业集群等“新三农”发展模式。因此,通过对供应链金融的融资模式和风险控制做进一步研究,建立适合“三农”业务特点的信贷业务运作模式,银行可实现“三农”信贷业务的商业化运作,确保其金融支农的积极性。本文首先分析了“三农”信贷业务风险特点,指出传统信贷风险控制措施已不能完全满足“三农”客户风险管理需要。进而指出,通过将供应链融资模式引入到“三农”信贷业务中,可以解决银企信息不对称问题,有效防控“三农”信贷业务风险。在此基础上,本文根据信息不对称理论的两个核心观点：逆向选择和道德风险,建立了“三农”信贷业务风险控制的两个工具：供应链信贷资金池和资金流信息链。供应链信贷资金池从宏观层面,分析整个供应链成员的交易情况,参照行业发展情况、核心企业授信额度和区域授信额度,合理核定整个供应链融资需求总量,而不是核定每个借款企业的授信额度,达到防范供应链融资中存在的逆向选择问题。资金流信息链针对供应链融资模式下信贷风险向操作风险转移的特点,通过构建“资金流信息链”,实现供应链“信息流-物流-资金流”的无缝对接和各参与方的紧密联系,从微观上对资金流向实施监控,确保每一笔贷款资金的正确使用和客户资金的及时回流,达到防范供应链融资中存在的道德风险问题。
[Abstract]:Serving the "three rural areas" is the strategic decision of the Party and the country. The introduction of supply chain financial model provides an effective way to solve the financing problem of agriculture, rural areas and farmers. Because of its great market potential, it is becoming a new field in which banks compete with each other. Supply chain finance has changed the credit mode of banks and other financial institutions to single enterprise, and made full use of the characteristics of industrial supply chain structure and the grasp of commodity transaction details. Around the core enterprises to provide financial support to the small and medium-sized members of their supply chain, which is in line with the agricultural industrialization, order agriculture, industrial clusters and other "new three rural" development model. Therefore, through further research on the financing mode and risk control of supply chain finance, the bank can realize the commercial operation of the credit business, which is suitable for the characteristics of "agriculture, countryside and farmers" business. To ensure the enthusiasm of its financial support for agriculture. This paper first analyzes the characteristics of the credit risk of "three rural areas", and points out that the traditional credit risk control measures can no longer fully meet the needs of customer risk management of "agriculture, rural areas and farmers". Furthermore, it is pointed out that by introducing the supply chain financing mode into the credit business of agriculture, rural areas and farmers, we can solve the problem of information asymmetry of banks and enterprises, and effectively prevent and control the risks of credit business of "agriculture, rural areas and farmers". On this basis, according to the two core viewpoints of information asymmetry theory: adverse selection and moral hazard, this paper establishes two tools of credit risk control in agriculture, rural areas and farmers: the credit fund pool of supply chain and the information chain of capital flow. The supply chain credit fund pool analyzes the transaction situation of the whole supply chain members from the macro level, referring to the development of the industry, the core enterprise credit line and the regional credit line, and reasonably determining the total financing demand of the whole supply chain. Instead of approving the credit line of each borrowing enterprise, the problem of adverse selection in supply chain financing can be prevented. The information chain of capital flow aims at the characteristics of transferring credit risk to operational risk in the mode of supply chain financing. By constructing "information chain of capital flow", the information chain of "information flow, material flow and capital flow" of supply chain can be connected seamlessly with each participant. In order to ensure the correct use of each loan fund and the timely return of customer funds, we can prevent the moral hazard existing in the supply chain financing.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.43

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