M银行大连A支行进口冻肉仓单质押授信研究
发布时间：2018-11-27 11:46
【摘要】：基于实地调查和分析,M银行大连A支行针对大连口岸冻肉进口贸易商制订了以进口冻肉仓单质押为主要担保方式的授信方案,增强对冻肉进口贸易商的授信支持。首先,对物流金融演进历程及相关学者和文献的观点进行了梳理。然后分析了大连口岸进口冻肉市场现状,发现冻肉进口量逐年增加,但是市场缺口依然存在,且价格相比国内肉品具有优势,所调查的客户具有较稳定的利润空间。与上述情况不匹配的是,银行业对进口冻肉行业的了解不深入,授信支持不足。以M银行大连A支行为例,支行层面的授信业务以散单为主,没有形成冻肉行业客户的批量开发；对此类客户的授信面临缺乏合适抵质押物的问题,存量的冻肉客户业务为低风险业务,对客户的帮助有限。针对以上现状及问题,提出了以进口冻肉为质押物的融资授信方案。对授信客户主体进行了分层和筛选,如,授信客户主体的实际控制人应从事本行业3年以上,年度全年实际进口额不低于400万美元；进而从属性方面分析了以冻肉为质押物的可行性,并制定了可操作的物流金融模式。最后,选定了大连地区商检备案冷库为仓储机构,制订了质押物保质保价的仓单质押方案和仓储机构保购、价格盯视等降低违约风险的风险缓释措施。本研究意在缓解部分进口冻肉企业的融资需求,帮助它们扩大经营规模；另外,银行方面在增加利息收益的同时,可减少对进口冻肉企业授信的违约风险。
[Abstract]:On the basis of field investigation and analysis, Dalian A Branch of M Bank has established a credit granting scheme with warehouse receipt pledge as the main guarantee for frozen meat import traders at Dalian Port, and strengthened the credit support for frozen meat import traders. First of all, the evolution of logistics finance and related scholars and literature point of view were combed. Then it analyzes the current situation of import frozen meat market in Dalian port, and finds that the import amount of frozen meat increases year by year, but the market gap still exists, and the price has advantages over domestic meat products, and the investigated customers have a relatively stable profit space. This is not matched by a lack of knowledge of the import frozen meat industry and inadequate credit support. Taking Dalian A Branch of M Bank as an example, the credit service at the branch level is based on bulk orders, and the bulk development of frozen meat industry customers has not been formed. Such customers face the problem of lack of appropriate collaterals, the stock of frozen meat customer business is low risk business, limited help to customers. In view of the above situation and problems, this paper puts forward a scheme of financing credit based on the pledge of imported frozen meat. For example, the actual controller of the credit client should be engaged in the industry for more than 3 years, and the actual annual import value should not be less than 4 million US dollars; Furthermore, the feasibility of using frozen meat as pledge is analyzed from the aspect of attributes, and the operational logistics financial model is established. In the end, the paper chooses the inventory cold storage in Dalian area as the storage institution, and formulates the warehouse receipt pledge scheme of the pledge, the warehouse receipt pledge scheme and the measures of reducing the risk of breach of contract such as the purchase and purchase of the warehouse storage organization, the price stare and the other measures to reduce the risk of breach of contract. The purpose of this study is to alleviate the financing needs of some import frozen meat enterprises and to help them expand their business scale. In addition, banks can reduce the risk of default on import frozen meat enterprises while increasing interest income.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4
本文编号：2360636
[Abstract]:On the basis of field investigation and analysis, Dalian A Branch of M Bank has established a credit granting scheme with warehouse receipt pledge as the main guarantee for frozen meat import traders at Dalian Port, and strengthened the credit support for frozen meat import traders. First of all, the evolution of logistics finance and related scholars and literature point of view were combed. Then it analyzes the current situation of import frozen meat market in Dalian port, and finds that the import amount of frozen meat increases year by year, but the market gap still exists, and the price has advantages over domestic meat products, and the investigated customers have a relatively stable profit space. This is not matched by a lack of knowledge of the import frozen meat industry and inadequate credit support. Taking Dalian A Branch of M Bank as an example, the credit service at the branch level is based on bulk orders, and the bulk development of frozen meat industry customers has not been formed. Such customers face the problem of lack of appropriate collaterals, the stock of frozen meat customer business is low risk business, limited help to customers. In view of the above situation and problems, this paper puts forward a scheme of financing credit based on the pledge of imported frozen meat. For example, the actual controller of the credit client should be engaged in the industry for more than 3 years, and the actual annual import value should not be less than 4 million US dollars; Furthermore, the feasibility of using frozen meat as pledge is analyzed from the aspect of attributes, and the operational logistics financial model is established. In the end, the paper chooses the inventory cold storage in Dalian area as the storage institution, and formulates the warehouse receipt pledge scheme of the pledge, the warehouse receipt pledge scheme and the measures of reducing the risk of breach of contract such as the purchase and purchase of the warehouse storage organization, the price stare and the other measures to reduce the risk of breach of contract. The purpose of this study is to alleviate the financing needs of some import frozen meat enterprises and to help them expand their business scale. In addition, banks can reduce the risk of default on import frozen meat enterprises while increasing interest income.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4
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