M银行交易融资管理体系问题与对策研究

发布时间：2018-06-20 11:14

本文选题：交易融资 + 银行　；参考：《东北大学》2012年硕士论文

【摘要】：在我国社会经济转型之际,经过十五年发展的M银行提出了业务转型,明确了自己的市场定位,决心要做服务于民营企业、中小企业和高端个人客户的银行,这在中国商业银行界是一个创新,也是一个战略决策,它将使M银行脱胎换骨,成为一个更有竞争力,能够更有效地为社会创造价值的银行。为了实现这一战略转型,M银行适时地提出了“交易融资”这一服务品牌作为实现转型的工具之一“交易融资”是指对生产、贸易或物流等领域内的企业,通过运用结构性短期融资工具,采用一种或多种产品模式,以债权、货权或其他形式做担保,在能有效控制企业资金流、信息流和物流的前提下为企业提供的融资服务,它改变了传统融资业务模式下民营企业融资难的顽疾,M银行也借此迅速扩大了民营企业客户群,带动了各项业务的全面发展。为适应交易融资业务的发展,M银行针对交易融资的特点,在原有信贷管理体系基础上进行了改造,例如增设了业务管理机构、产品研发机构,改进了风险控制流程,并配套了一系列管理办法。在近几年的实践过程中,交易融资管理体系运转良好,取得了良好的市场效果,在客户心中树立了M银行真诚、专业、严谨、智慧、灵活的形象,有效推动了M银行交易融资业务发展,但同时,也曾遇到了一些困难和障碍,因此需要从实践出发,全方位、多角度的来重新审视M银行交易融资管理体系中的得与失、总结其中的成功经验和不足,为未来M银行交易融资业务健康快速发展,践行M银行民营企业战略提供切实可行的意见和建议。本文以M银行交易融资管理体系为课题,借鉴现有交易融资理论,结合工作实践,通过深入调查研究,重点关注M银行交易融资管理体系中例如管理架构、产品方案、制度流程、人员配置、考核激励、风险防范等方面存在的问题,分析问题存在原因,进而提出解决的方向和策略。本文侧重实践研究,对常见的银行金融产品只做简单的概念性描述,不过多赘述。
[Abstract]:At the time of our country's social and economic transformation, after 15 years of development, M Bank has proposed a business transformation, has clearly defined its market position, and is determined to be a bank serving private enterprises, small and medium-sized enterprises and high-end individual customers. This is an innovation and a strategic decision in China's commercial banking sector. It will transform M Bank into a more competitive and effective bank that can create value for the society. In order to realize this strategic transformation, Bank M puts forward "transaction financing" as one of the tools to realize the transformation, which refers to the enterprises in the fields of production, trade or logistics. Through the use of structured short-term financing instruments, the use of one or more product models, secured by creditor's rights, goods rights or other forms, to provide financing services to enterprises on the premise of effective control of capital flows, information flows and logistics, It has changed the traditional financing business model of private enterprise financing difficult disease M bank also quickly expanded the customer base of private enterprises to promote the overall development of various business. In order to adapt to the development of transaction financing business, Bank M has reformed on the basis of the original credit management system, such as the establishment of business management organization, product research and development organization, and the improvement of risk control process. And a series of supporting management measures. In the process of practice in recent years, the transaction financing management system has worked well and achieved good market results. It has set up a sincere, professional, rigorous, intelligent and flexible image of M Bank in the customer's mind. It has effectively promoted the development of M bank transaction financing business, but at the same time, it has encountered some difficulties and obstacles. Therefore, it is necessary to re-examine the gains and losses in M bank transaction financing management system from the point of view of practice, omnidirectional and multi-angle. Summing up the successful experiences and shortcomings, this paper provides practical suggestions and suggestions for the healthy and rapid development of M Bank's transaction financing business and the implementation of M Bank's private enterprise strategy in the future. In this paper, M Bank transaction financing management system as the subject, draw lessons from the existing transaction financing theory, combined with work practice, through in-depth investigation and research, focus on M Bank transaction financing management system, such as management structure, product plan, System flow, personnel allocation, examination incentive, risk prevention and other aspects of the problems, analysis of the causes of the problem, and then put forward the direction and strategy to solve the problem. This paper focuses on practical research and gives a simple conceptual description of common banking financial products.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

【参考文献】