银行供应链金融业务信用风险研究

发布时间：2018-05-19 10:33

本文选题：商业银行 + 供应链金融业务　；参考：《兰州财经大学》2015年硕士论文

【摘要】：随着国际经济的竞争加剧,供应链管理业务迅速产生并得到了新的发展,大型的国际金融企业和物流公司开展了“供应链金融业务”。与此同时,随着国内金融行业的迅速发展和企业对于资金渴求程度的加深,国内各大银行也纷纷开展了供应链金融业务,旨在解决国内企业融资困难的同时,扩大自身的业绩,提升经营效率,以应对新的挑战。供应链金融业务的拓展对于银行拓展业务范围有着重要的积极作用,然而,对于金融行业而言,高收益也就面临着高风险,供应链金融业务带来的各种金融风险将是其自身发展的一大阻碍,在众多的风险当中,对于业务影响最大的非信用风险莫属,并且由于该业务的具体运作模式的创新性,使得该业务的信用风险与传统的信贷风险有着较大的不同。所以,如何衡量供应链金融业务的信用风险将是一项具有重大实际意义的研究课题,若能进一步从实际案例出发,发掘该项业务信用风险管理更深层次的控制点并由此提出风险控制措施,这将会更加具有实际参考价值。本文拟站在商业银行的视角,分为几个层次对于商业银行供应链金融业务信用风险进行一步步的展开研究。首先,将界定商业银行供应链金融的基本概念以及供应链金融业务的主要模式,为后文的进一步分析做下铺垫;其次,本文将研究供应链金融业务信用风险的相关理论基础,其中包括信用风险的概念、特点以及相应的识别等,并从外部环境、融资企业自身素质、供应链运行情况以及质押资产状况等几个方面全面建立供应链金融信用风险评价体系。在此基础上,本文将从商业银行供应链金融业务的三种主要业务模式上各选取成功与失败案例进行分析,研究影响每一种业务模式信用风险的主要风险控制点。最后,文章根据之前案例的分析,从主要信用风险控制措施、信用风险信息配套措施以及金融风险管理辅助措施三个角度提出供应链金融业务信用风险的防范措施和对应的对策建议。
[Abstract]:With the increasing competition of international economy, the supply chain management business has developed rapidly, and large international financial enterprises and logistics companies have launched the "supply chain financial business". At the same time, with the rapid development of the domestic financial industry and the deepening of enterprises' demand for capital, domestic banks have also launched the supply chain financial business one after another, in order to solve the financing difficulties of domestic enterprises, and at the same time to expand their own performance. Improve operational efficiency to meet new challenges. The expansion of supply chain financial business plays an important and positive role in expanding the scope of banking business. However, for the financial industry, high returns also face high risks. All kinds of financial risks brought by the supply chain financial business will be a great obstacle to its own development. Among the many risks, the non-credit risk that has the greatest impact on the business, and because of the innovation of the specific operation mode of the business, The credit risk of the business is different from the traditional credit risk. Therefore, how to measure the credit risk of the supply chain financial business will be a research topic of great practical significance. It will have more practical reference value to excavate the deeper control points of credit risk management of the business and put forward the risk control measures. From the perspective of commercial banks, this paper is divided into several levels to study the credit risk of supply chain financial business of commercial banks step by step. First of all, it will define the basic concept of supply chain finance of commercial banks and the main mode of supply chain financial business, which will pave the way for further analysis. Secondly, this paper will study the theoretical basis of credit risk of supply chain financial business. It includes the concept, characteristics and corresponding identification of credit risk, and establishes the evaluation system of supply chain financial credit risk from external environment, financing enterprise's own quality, supply chain operation and pledge assets condition. On this basis, this paper will select the success and failure cases from the three main business models of the supply chain financial business of commercial banks, and study the main risk control points that affect the credit risk of each business model. Finally, according to the analysis of previous cases, from the main credit risk control measures, This paper puts forward the preventive measures and corresponding countermeasures of credit risk in supply chain financial business from three aspects: supporting measures of credit risk information and auxiliary measures of financial risk management.
【学位授予单位】：兰州财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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