商业银行对金融服务外包方的评价与选择研究：建筑承包商融资视角

发布时间：2018-08-24 08:24

【摘要】：鉴于建筑行业建设周期长、借款数额大等特点,当建筑承包商融资时商业银行对其信用风险的评价很难做到准确、全面,因此,将融资信用风险评价等专业性比较强的工作委托给服务外包方实施,成为商业银行拓展业务范围、寻找有效服务路径的发展趋势。随着越来越多的金融机构将部分业务外包,各种行业的外包方也抓住了商机,得到了迅速的发展。商业银行进行金融服务外包最重要的工作之一就是对金融服务外包方的选择,服务外包方的能力能否胜任此项工作便成为了商业银行进行金融服务外包成功与否的关键因素,因此商业银行对服务外包方的评价和选择是一项至关重要的工作。现阶段企业对外包方选择过程中缺乏对外包方的全面科学的评估与鉴定,针对这一现状,本文从建筑承包商融资视角,界定了服务外包方的定义和职能,并对服务外包方评价的指标体系和评价模型进行了深入研究。首先,对金融服务外包的发展趋势和发展现状进行了总结和梳理,给出了本文中金融服务外包的定义。在归纳总结商业银行金融服务外包的理论基础之上,分析了商业银行进行服务外包的动因机制；对引入服务外包方必要性通过博弈论进行了验证,从服务主体、服务客体和服务内容三个方面对服务外包方进行定义,并通过商业银行贷款周期的三个阶段分别对服务的主体和服务的客体进行服务外包方的职能界定。其次,在总结一般性的服务供应商评价和工程咨询企业评价的相关文献基础上,综合运用频数统计法、专家评价法对建筑承包商融资视角下的服务外包方评价指标进行两轮筛选,根据指标体系构建的原则,建立了服务外包方评价指标体系。最后,结合上文构建的服务外包方评价指标体系,选择熵权法和模糊综合评价法作为金融服务外包方的评价方法,运用熵权法和模糊综合评价法从商业银行的角度对服务外包方进行综合评价,建立了服务外包方的评价模型,并简要描述了商业银行选择金融服务外包方的流程。
[Abstract]:In view of the long construction cycle and the large amount of loans in the construction industry, it is difficult for commercial banks to evaluate the credit risk of construction contractors accurately and comprehensively when they are financing. It is a trend for commercial banks to expand their business scope and find effective service paths by entrusting professional work such as financing credit risk evaluation to service outsourcing parties. As more and more financial institutions outsource part of the business, outsourcing parties in various industries also seize the business opportunities and get rapid development. One of the most important tasks for commercial banks to outsource financial services is the selection of financial service outsourcing parties. Whether the ability of service outsourcing parties can be qualified for this work has become the key factor for commercial banks to successfully outsource financial services. Therefore, the evaluation and selection of service outsourcing parties by commercial banks is a crucial task. At the present stage, enterprises lack comprehensive scientific evaluation and appraisal of outsourcing parties in the process of choosing outsourcing parties. In view of this situation, this paper defines the definition and functions of service outsourcing parties from the perspective of construction contractor financing. Furthermore, the index system and evaluation model of service outsourcing evaluation are deeply studied. Firstly, the development trend and present situation of financial service outsourcing are summarized and combed, and the definition of financial service outsourcing in this paper is given. On the basis of summing up the theory of financial service outsourcing of commercial banks, this paper analyzes the motivation mechanism of service outsourcing in commercial banks, and verifies the necessity of introducing service outsourcing parties through game theory. The service object and service content define the service outsourcing party and define the function of the service outsourcing party through the three stages of the commercial bank loan cycle. Secondly, on the basis of summarizing the related literature of general service supplier evaluation and engineering consulting enterprise evaluation, the frequency statistics method is used synthetically. According to the principle of constructing index system, the evaluation index system of service outsourcer is established by the method of expert evaluation, which is used to screen the evaluation index of service outsourcer from the perspective of construction contractor financing. Finally, combined with the evaluation index system of service outsourcing, the entropy weight method and fuzzy comprehensive evaluation method are selected as the evaluation methods of financial service outsourcing parties. In this paper, entropy weight method and fuzzy comprehensive evaluation method are used to evaluate the service outsourcing parties from the perspective of commercial banks, the evaluation model of service outsourcing parties is established, and the process of selecting financial service outsourcing parties is described briefly.
【学位授予单位】：天津理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F426.92

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