商业银行物流金融业务的风险管理
发布时间：2018-12-27 10:00
【摘要】：随着我国经济的发展,物流业也在迅速发展,对于这个新兴行业来说,融资难已成为了老大难问题,由于整个经济环境、国家政策、企业本身及银行本身的问题,银行对于物流企业采取“惜贷”态度,严重阻碍了这一朝阳行业的发展。自从中国加入WTO后,物流业的快速发展,物流企业,尤其是外资物流企业进入的数量在迅速增加,打破了物流业的传统格局,并最终将促进物流市场的发展。目前物流业市场竞争已经形成,并且竞争将进一步加剧。这就要求现代物流企业必须进行服务创新,从提供传统的物流服务向物流金融服务延伸,为客户提供更多的增值服务。物流金融作为专门解决针对物流企业的融资业务,越来越受到人们重视,但开展这项业务必须对其风险进行管理,建立独立于传统信贷的风险管理体系。物流金融业务打破传统商业银行的授信模式,将会从一个新的视角评估企业会产生的各种风险。扩大的银行客户群体,会给银行带来诸多利益,同时也随之带来了信用风险、市场风险、操作风险和管理风险等各种潜在风险。因此流金融业务能否顺利成功开展的关键就是商业银行如何有效控制风险。 我国物流金融正处在方兴未艾、快速增长时期。同时,世界经济发展的经验告诉我们,物流和金融业务的融合发展将成为中国经济发展的一个新兴的并且是不可逆转的趋势。中国有着特殊的经济环境和经济发展中出现的新问题,现在还还必须帮助有关各方找到一个双赢、互惠互利的道路来发展物流金融。尤其是在目前条件下,国内物流金融服务仍然面临着许多问题,如风险管理和控制信用评价体系的建设和信息网络建设等等,这些都亟待解决。本文在对金融物流的概念进行阐述的基础上,对国内外研究动态进行总结归纳和回顾,再根据目前中国商业银行发展物流金融业务的的现实情况,指出中国物流金融业务所面临的各种风险。之后对物流金融的各项主要运营模式进行阐述,分析其面对的具体风险,运用风险管理的方法SWOT分析法对进行分析,并提出风险管理的建议。再以建设银行开展的金融业务为例,阐述它的一些物流金融业务,以一个案例为实例,并进行相应的风险分析,最后提出出一些具体的政策建议。
[Abstract]:With the development of our country's economy, the logistics industry is also developing rapidly. For this new industry, the difficulty of financing has become a big problem. Because of the whole economic environment, the national policy, the enterprises themselves and the banks themselves, Banks to logistics enterprises to take a "loan-sparing" attitude, seriously hindered the development of this sunrise industry. With the rapid development of logistics industry since China's entry into WTO, the number of logistics enterprises, especially foreign-funded logistics enterprises, has been increasing rapidly, which has broken the traditional pattern of logistics industry and will eventually promote the development of logistics market. At present, the logistics market competition has been formed, and the competition will be further intensified. This requires modern logistics enterprises to carry out service innovation, from providing traditional logistics services to logistics financial services, to provide more value-added services for customers. As a special solution to the financing business of logistics enterprises, logistics finance has been paid more and more attention, but it is necessary to manage its risk and establish a risk management system independent of traditional credit. The logistics financial business breaks the traditional commercial bank credit mode, will evaluate the various risks that the enterprise will produce from a new angle of view. The expanded bank customer group will bring a lot of benefits to the bank, at the same time, it will also bring various potential risks such as credit risk, market risk, operational risk and management risk. Therefore, the key to the successful development of financial services is how to effectively control the risks of commercial banks. China's logistics finance is in the ascendant, rapid growth period. At the same time, the experience of the world economic development tells us that the integration of logistics and financial services will become a new and irreversible trend of China's economic development. China has a special economic environment and new problems in economic development, but it must also help the parties concerned to find a win-win, mutually beneficial way to develop logistics finance. Especially under the present condition, the domestic logistics financial service still faces many problems, such as the construction of the risk management and control credit evaluation system and the construction of the information network, all of which need to be solved urgently. On the basis of expounding the concept of financial logistics, this paper summarizes and reviews the domestic and foreign research trends, and then according to the current situation of Chinese commercial banks developing logistics financial business, The paper points out the various risks that China's logistics financial business faces. Then the main operating modes of logistics finance are expounded, the specific risks they face are analyzed, the risk management method is used to analyze the risk management method, and the suggestions of risk management are put forward. Taking the financial business of China Construction Bank as an example, this paper expounds some of its logistics financial business, taking a case as an example, and carries on the corresponding risk analysis, and finally puts forward some concrete policy suggestions.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3;F259.2
本文编号：2392896
[Abstract]:With the development of our country's economy, the logistics industry is also developing rapidly. For this new industry, the difficulty of financing has become a big problem. Because of the whole economic environment, the national policy, the enterprises themselves and the banks themselves, Banks to logistics enterprises to take a "loan-sparing" attitude, seriously hindered the development of this sunrise industry. With the rapid development of logistics industry since China's entry into WTO, the number of logistics enterprises, especially foreign-funded logistics enterprises, has been increasing rapidly, which has broken the traditional pattern of logistics industry and will eventually promote the development of logistics market. At present, the logistics market competition has been formed, and the competition will be further intensified. This requires modern logistics enterprises to carry out service innovation, from providing traditional logistics services to logistics financial services, to provide more value-added services for customers. As a special solution to the financing business of logistics enterprises, logistics finance has been paid more and more attention, but it is necessary to manage its risk and establish a risk management system independent of traditional credit. The logistics financial business breaks the traditional commercial bank credit mode, will evaluate the various risks that the enterprise will produce from a new angle of view. The expanded bank customer group will bring a lot of benefits to the bank, at the same time, it will also bring various potential risks such as credit risk, market risk, operational risk and management risk. Therefore, the key to the successful development of financial services is how to effectively control the risks of commercial banks. China's logistics finance is in the ascendant, rapid growth period. At the same time, the experience of the world economic development tells us that the integration of logistics and financial services will become a new and irreversible trend of China's economic development. China has a special economic environment and new problems in economic development, but it must also help the parties concerned to find a win-win, mutually beneficial way to develop logistics finance. Especially under the present condition, the domestic logistics financial service still faces many problems, such as the construction of the risk management and control credit evaluation system and the construction of the information network, all of which need to be solved urgently. On the basis of expounding the concept of financial logistics, this paper summarizes and reviews the domestic and foreign research trends, and then according to the current situation of Chinese commercial banks developing logistics financial business, The paper points out the various risks that China's logistics financial business faces. Then the main operating modes of logistics finance are expounded, the specific risks they face are analyzed, the risk management method is used to analyze the risk management method, and the suggestions of risk management are put forward. Taking the financial business of China Construction Bank as an example, this paper expounds some of its logistics financial business, taking a case as an example, and carries on the corresponding risk analysis, and finally puts forward some concrete policy suggestions.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3;F259.2
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