农业银行的农产品供应链金融风险研究

发布时间：2018-01-06 14:26

本文关键词：农业银行的农产品供应链金融风险研究　出处：《南华大学》2014年硕士论文　论文类型：学位论文

【摘要】：农产品企业的融资渠道狭窄，供应链上资金匮乏是限制农业产业化规模化的关键性因素。农产品供应链上的贷款风险大利润小，而且大部分农产品企业规模小，难以达到金融机构融资门槛。供应链金融业务是一种新型的短期贸易融资模式，能将贷款风险分担于整条供应链。银行一方面不仅是与单个的企业合作，还和整个供应链合作，可以更加全面、及时地掌握的各个环节的信息，加强对贸易的风险管控能力，减小信贷风险；另一方面可以向供应链上相关企业提供综合的供应链金融服务，增加利润点，开发农业金融市场，巩固与客户的长期战略合作关系。本文通过分析农业银行已有的业务特点，以及各类农产品供应链金融的适应性问题和风险特征，，运用证据理论与Delphi方法构建农行的针对农产品供应链金融的风险评估模型，主要内容及创新点有三：1、根据农产品供应链运营特征及供应链金融运作机制构造金融风险评估指标体系，分为生产环节、加工环节、销售环节、供应链整体协作情况、担保物五个大类；2、利用证据理论处理不确定性信息推理的优势建立评估计算模型，并利用折扣率将指标权重融入证据理论合成规则中，改进其将证据重要性同等对待的局限；3、根据农产品供应链运作差异对农产品供应链金融制定了12个类别，并针对其风险评估指标制定了相应的权重矩阵。最后引入实例验证了此风险评估模型的有效性，并针对农行开展农产品供应链金融业务服务提出了一系列对策与建议。
[Abstract]:Agricultural products enterprises on the supply chain financing channel is narrow, lack of funds is the key factor limiting the scale of agricultural industrialization. The agricultural products supply chain on the loan risk profit is small, and most agricultural products of small scale, difficult to reach the threshold for financing of financial institutions. Financial services supply chain is a new financing model for short term trade credit risk can be shared in the whole supply chain. On the one hand is to cooperate with the bank not only individual enterprises, and also the whole supply chain, each link can be more comprehensive, timely grasp of the information, to strengthen trade risk control ability, reduce the credit risk; on the other hand can provide the service of supply chain financial integrated supply chain to the relevant enterprises, increase profits, the development of agricultural financial market, consolidate the long-term strategic partnership with clients.
In this paper, through analyzing the business characteristic of Agricultural Bank has, and all kinds of agricultural products supply chain financial adaptability and risk characteristics, risk assessment for agricultural products supply chain finance model construction bank using evidence theory and Delphi method, the main contents and innovations are three: 1, according to the operating characteristics of the agricultural products supply chain and supply chain the financial structure of the operation mechanism of financial risk evaluation index system is divided into production, processing, sales, supply chain coordination, guarantee five categories; 2, using the evidence theory of uncertainty reasoning information advantage to establish evaluation model, and use the discount rate of the index weight into the combination rules of evidence theory in the improvement of the importance of evidence equally limited; 3, according to the agricultural products supply chain operation difference has developed 12 categories of agricultural products supply chain finance, and The weight matrix is worked out for its risk assessment index. Finally, an example is introduced to verify the effectiveness of the risk assessment model, and a series of countermeasures and suggestions are put forward for Agricultural Bank to develop agricultural products supply chain financial business service.

【学位授予单位】：南华大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F326

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