G商业银行供应链金融业务模式研究

发布时间：2018-06-28 17:48

本文选题：供应链金融 + 业务模式　；参考：《华南理工大学》2012年硕士论文

【摘要】：随着经济全球化、一体化的不断推进，以及市场竞争的加剧，现代企业之间的竞争实质上是供应链之间的竞争。供应链上不同节点的企业都有迫切的融资需求，但这些企业大多都是中小企业，受制于自身的信用评级的限制，商业银行也出于控制自身业务风险的考虑，，很长一段时间内不愿为中小企业提供融资服务。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，困扰其发展的融资难问题仍旧长期存在。在这种环境下，我国商业银行顺势推进供应链金融服务。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。一方面优化银行业务结构、改善银行盈利模式、提升银行竞争力，另一方面顺畅企业资金流、增强供应链整体竞争力。文章从我国从商业银行的角度，引入供应链金融的概念以及业务模式在解决中小企业信贷问题上的优势。文章系统分析了供应链金融的内涵、特点以及有机构成，重点阐述了G商业银行供应链金融业务的发展现状和三种主要业务模式以及运作流程，给读者呈现出一个较为清晰的框架；然后，文章重点探讨目前G商业银行存货质押业务模式和厂商银业务模式的风险评价，利用风险价值VaR建立质押率和质押价值模型控制存货质押风险；接着，又探讨了G商业银行在仓单质押的基础上的预付类的厂商银创新业务，开展的厂商银业务模式中可能遇到的风险，建立相应的风险评价指标体系；最后文章引入了G商业银行的客户H纸业公司的案例研究，运用风险价值模型计算H纸业公司在传统质押模式下的质押率和质押价值，再运用层次分析法对整体供应链进行风险评价，并对H纸业公司在厂商银业务模式下进行整体的信用等级评估，证明了预付类厂商银业务模式相对于传统存货质押模式的优势。
[Abstract]:With the development of economic globalization, integration and the aggravation of market competition, the competition among modern enterprises is essentially the competition between supply chains. Enterprises at different nodes in the supply chain have urgent financing needs, but most of these enterprises are small and medium-sized enterprises, which are restricted by their own credit rating. Commercial banks are also considered to control their own business risks. Not willing to provide financing services for SMEs for a long time. 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. In this environment, China's commercial banks promote supply chain financial services. From the point of view of industrial chain, it connects the credit risk of small and medium-sized enterprises with the core enterprises in the chain, and emphasizes the correlation degree, stability and authenticity of trade in the whole supply chain. On the one hand, optimize the banking business structure, improve the bank profit model, enhance the competitiveness of the bank, on the other hand, smooth the enterprise capital flow, enhance the overall competitiveness of the supply chain. From the point of view of commercial banks, this paper introduces the concept of supply chain finance and the advantages of business model in solving the credit problem of small and medium-sized enterprises. This paper systematically analyzes the connotation, characteristics and organic composition of supply chain finance, and focuses on the development status, three main business models and operation process of G commercial bank supply chain finance business. This paper presents a clear framework for readers. Then, the paper focuses on the risk assessment of the current G commercial bank inventory pledge business model and the manufacturer's silver business model. Using VaR to establish the model of pledge rate and pledge value to control the risk of inventory pledge, and then, the paper discusses the bank innovation business of G commercial bank on the basis of warehouse receipt pledge. Finally, the paper introduces the case study of G Commercial Bank customer H Paper Company. Using the risk value model to calculate the pledge rate and the pledge value of H Paper Company under the traditional pledge mode, and then using the analytic hierarchy process to evaluate the risk of the whole supply chain. The paper evaluates the credit rating of H Paper Company under the bank business model, and proves that the prepaid bank business model is superior to the traditional inventory pledge mode.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F832.4

【参考文献】