供应链金融的融资产品设计与优化

发布时间：2018-06-12 05:00

本文选题：供应链金融 + 核心企业　；参考：《天津大学》2012年硕士论文

【摘要】：供应链金融业务定位于服务供应链上的广大的中小企业，它紧紧围绕核心企业展开，利用核心企业的强势地位和资信优势，，整合了供应链上的信息流、物流和资金流，可以为链上企业提供全面的融资、物流等服务。它针对当前供应链上的中小企业整体实力和资信水平不高的现况，通过优化现有的供应链上下游企业间的合作关系，将原来单个企业不可控的信用风险转变为整体供应链的可控风险。突破了银行等金融机构以单一企业为授信主体的传统授信模式，拓宽了银行业务渠道，有效控制了信贷风险，为广大中小企业解决“融资难”的问题提供了全新的方案。我国银行的供应链金融业务相对于国外起步较晚，相关的融资服务和融资产品都有待完善。供应链融资产品种类不多，很难适应广大中小企业多种多样的融资需求；另一方面国内银行对于供应链金融产品的定价缺乏实际经验，产品价格普遍过高，无法保证在银行信贷风险可控的范围内实现融资企业的受益最大化，导致该金融创新很难在供应链上的中小企业间推广；同时当前的供应链融资产品在实际的运营过程中还经常会遇到各种各样的问题，这又进一步影响了产品的运行效率和市场价值。如何在银行信贷风险可控的范围内优化供应链融资产品结构；提高产品运营效率；实现产品价值；进而提升所服务供应链的整体竞争力，成为银行急需解决的问题。本文基于上述背景针对供应链金融中的融资产品的优化进行了系统性的研究。
[Abstract]:The financial business of supply chain is oriented to the large number of small and medium-sized enterprises in the service supply chain. It closely revolves around the core enterprise and integrates the information flow, logistics and capital flow in the supply chain by utilizing the strong position and credit advantage of the core enterprise. Can provide comprehensive financing, logistics and other services for enterprises on the chain. In view of the fact that the overall strength and credit level of SMEs in the current supply chain are not high, it optimizes the cooperative relationship between upstream and downstream enterprises in the current supply chain. The original uncontrollable credit risk of individual enterprise is transformed into the controllable risk of the whole supply chain. It has broken through the traditional credit mode in which banks and other financial institutions take a single enterprise as the main body of credit, broadened the banking business channels, and effectively controlled the credit risk. It provides a new scheme for the small and medium-sized enterprises to solve the problem of "financing difficulties". The supply chain financial business of Chinese banks starts relatively late compared with foreign countries, and the related financing services and financing products need to be improved. There are not many kinds of financing products in the supply chain, so it is difficult to adapt to the diverse financing needs of the large number of small and medium-sized enterprises. On the other hand, the domestic banks lack practical experience in pricing supply chain financial products, and the prices of the products are generally too high. It is impossible to guarantee that the benefit of financing enterprises can be maximized within the scope of controllable bank credit risk, which makes it difficult for the financial innovation to be popularized among small and medium-sized enterprises in the supply chain. At the same time, the current supply chain financing products often encounter a variety of problems in the actual operation process, which further affect the operational efficiency and market value of the products. How to optimize the structure of supply chain financing products, improve the efficiency of product operation, realize the value of products, and then enhance the overall competitiveness of the supply chain under the control of bank credit risk has become an urgent problem for banks to solve. Based on the above background, this paper makes a systematic study on the optimization of financing products in supply chain finance.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F832.2

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