Xx银行总府支行国内保理业务的发展研究
发布时间：2018-09-11 20:32
【摘要】：保理是一项集融资、销售分类账管理、坏账担保,资信调查等功能为一体的整体性金融服务。保理业务在国际上的历史非常之悠久,在1968年国际保理商联合会就已经成立,保理业务在国外发展迅速,但对于国内银行业来说,保理业务还属于一种创新的金融产品。保理业务最早起源于18世纪的英国,并在20世纪60年代的美国和西欧发展成型。作为一种新颖的贸易融资方式,保理业务在世界各国的国际贸易和国内贸易中都得到了广泛应用。20世纪90年代中期以来,世界范围提供保理服务的机构和保理业务量得到突飞猛进的发展,世界保理业呈现出一些新特点。我国保理业务起步于80年代,目前仍处在发展阶段。由于国内保理业务是一项新生的业务,相关法律法规体系并不完善,并且我国企业信用体系还不完善,业务量难以迅速扩大。研究保理业务对商业银行的发展具有重要意义,主要表现在： (1)大力发展保理业务是商业银行进一步扩大结算业务市场份额、增加中间业务收益的需要 (2)大力发展保理业务是进一步发展中小企业客户,扩大商业银行影响力的需要 (3)发展保理业务可以带动商业银行其他金融产品的销售 目前世界上有3个国际性保理组织,分别为国际保理商联合会(FCI)、国际保理协会(IFG)和哈拉尔海外公司(HOC)。在全球保理市场中,欧洲、美洲和亚洲是最重要的保理市场,其中作为保理两个重要发源地的欧洲和美洲,保理市场发展已经很成熟。澳洲保理市场规模相对较小,非洲受其经济发展水平的限制,保理业务的发展还非常的滞后。我国保理业务也处于发展阶段。从事保理业务的主体主要是银行,保理业务是银行诸多中间业务之一。保理业务在我国经过十几年的发展虽然取得了一定进步,但同国外发达国家,尤其是欧美国家相比,差距还很大。面对国外金融业的竞争,尽快提升保理业务水平,已经成为国内银行的当务之急。由于我国保理业务起步较晚,发展水平相对落后,要想在激励的竞争中占据有利的地位,我国商业银行需要在产品创新,风险管理等方面不断努力,学习国外先进的管理经验,满足各种客户的差异化需求,提升自己的综合竞争能力。 我国商业银行从事保理业务存在的问题表现在：保理业务涉及的融资标准必须服务于商业银行发放贷款的要求。在信用风险管理方面,我国商业银行缺乏现代化的风险管理工具和手段,片面注重抵押品,忽视对客户的信用评估能力和资金流动的监控能力,不能为优质客户提供足够的非抵押的融资服务,不能给予优惠的利率定价。在产品种类方面,我国服务项目和种类有限,主要集中在为客户提供融资和账款托收方面。其他方面的服务则较少提供。在信用风险方面,我国商业银行要独自承担可能出现的信用风险,从而使风险成本增加。 本文通过对我国保理业务发展的外部环境、商业银行的自身建设以及独立保理商发展等方面的分析,阐述了XX银行总府支行在应用保理业务时在哪些方面,是何原因阻碍了保理业务的发展,研究这些深层次的原因,进而提出了XX银行总府支行进一步发展保理业务的对策。 论文共分为五个部分分。第一部分为导论,介绍了论文的研究背景及目的,国内外的研究现状,论文的研究方法及创新之处。第二部分为保理业务在国内外的发展概况,阐述了保理业务的含义、类型、业务流程以及作用,介绍了保理业务在国内和国外的发展简况,通过国内外的现状对比,借鉴国外保理业务的先进经验,提升我国保理业务的发展现状。第三部分从我国保理业务发展历程,我国商业银行的现状出发,通过对外部环境和内部环境的分析,找出我国保理业务发展中存在的问题。第四部分是对XX银行总府支行发展保理业务的SWOT分析,通过优势与劣势的对比分析,总结发展保理业务的必要性。第五部分提出XX银行总府支行发展保理业务进一步发展的对策,即改善保理业务发展的外部环境,加强商业银行的自身建设以促进保理业务的发展,积极探索丰富的保理业务类型,加大保理业务的宣传力度。
[Abstract]:Factoring is an integrated financial service that integrates the functions of financing, sales ledger management, bad debt guarantee and credit investigation. Factoring has a long history in the world. It was established in 1968 by the International Federation of Factorors. Factoring business is developing rapidly abroad, but for domestic banking, factoring business is still a part of it. Factoring originated in Britain in the 18th century and developed in the United States and Western Europe in the 1960s. As a new form of trade financing, factoring has been widely used in international and domestic trade of all countries in the world. With the rapid development of factoring service institutions and factoring business, the world factoring industry has shown some new characteristics. China's factoring business started in the 1980s and is still in the development stage. The research on factoring is of great significance to the development of commercial banks.
(1) Developing factoring is the need for commercial banks to further expand the market share of settlement business and increase the income of intermediary business.
(2) vigorously developing factoring is the need to further develop SME customers and expand the influence of commercial banks.
(3) developing factoring business can drive the sale of other financial products of commercial banks.
At present, there are three international factoring organizations in the world, namely International Federation of Factorers (FCI), International Factoring Association (IFG) and Harald Overseas Company (HOC). In the global factoring market, Europe, America and Asia are the most important factoring markets, of which Europe and America are the two important cradles of factoring, the factoring market has developed very well. Australian factoring market is relatively small, Africa is restricted by its economic development level, the development of factoring business is still very backward. China's factoring business is also in the stage of development. However, some progress has been made, but compared with developed countries, especially European and American countries, there is still a big gap. Facing the competition of foreign financial industry, it has become an urgent task for domestic banks to upgrade factoring business as soon as possible. China's commercial banks need to make continuous efforts in product innovation, risk management and other aspects, learn from foreign advanced management experience, to meet the different needs of various customers, and enhance their comprehensive competitiveness.
The problems existing in factoring business of commercial banks in China are as follows: the financing standards involved in factoring business must serve the requirements of commercial banks in issuing loans. The monitoring ability of capital flow can not provide enough non-mortgaged financing services for high-quality customers, and can not give preferential interest rate pricing. In terms of product types, China's service items and types are limited, mainly focusing on providing financing and account collection for customers. Other services are less provided. In terms of credit risk, I China's commercial banks should bear the risk of credit risk alone, thereby increasing the risk cost.
Through the analysis of the external environment of factoring business development in China, the self-construction of commercial banks and the development of independent factoring companies, this paper expounds the aspects in which factoring business is applied and the reasons which hinder the development of factoring business in the general government branch of XX Bank, studies these deep-seated reasons, and puts forward the general bank of XX. Fu Branch's Countermeasures to further develop factoring business.
The paper is divided into five parts. The first part is the introduction, which introduces the research background and purpose of the paper, the research status at home and abroad, the research methods and innovations of the paper. The development of factoring in China and abroad is summarized. The development of factoring in China is promoted by comparing the current situation at home and abroad and drawing lessons from the advanced experience of factoring in foreign countries. The third part starts from the development of factoring in China and the current situation of commercial banks in China, and finds out the development of factoring in China by analyzing the external and internal environment. The fourth part is the SWOT analysis of the factoring business of the general government branch of XX Bank. Through the comparative analysis of the advantages and disadvantages, it summarizes the necessity of developing factoring business. The fifth part puts forward the Countermeasures for further development of factoring business of the general government branch of XX Bank, that is, to improve the external environment of factoring business development and strengthen business. The bank's own construction promotes the development of factoring business, actively explores the rich types of factoring business, and strengthens the publicity of factoring business.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
本文编号：2237774
[Abstract]:Factoring is an integrated financial service that integrates the functions of financing, sales ledger management, bad debt guarantee and credit investigation. Factoring has a long history in the world. It was established in 1968 by the International Federation of Factorors. Factoring business is developing rapidly abroad, but for domestic banking, factoring business is still a part of it. Factoring originated in Britain in the 18th century and developed in the United States and Western Europe in the 1960s. As a new form of trade financing, factoring has been widely used in international and domestic trade of all countries in the world. With the rapid development of factoring service institutions and factoring business, the world factoring industry has shown some new characteristics. China's factoring business started in the 1980s and is still in the development stage. The research on factoring is of great significance to the development of commercial banks.
(1) Developing factoring is the need for commercial banks to further expand the market share of settlement business and increase the income of intermediary business.
(2) vigorously developing factoring is the need to further develop SME customers and expand the influence of commercial banks.
(3) developing factoring business can drive the sale of other financial products of commercial banks.
At present, there are three international factoring organizations in the world, namely International Federation of Factorers (FCI), International Factoring Association (IFG) and Harald Overseas Company (HOC). In the global factoring market, Europe, America and Asia are the most important factoring markets, of which Europe and America are the two important cradles of factoring, the factoring market has developed very well. Australian factoring market is relatively small, Africa is restricted by its economic development level, the development of factoring business is still very backward. China's factoring business is also in the stage of development. However, some progress has been made, but compared with developed countries, especially European and American countries, there is still a big gap. Facing the competition of foreign financial industry, it has become an urgent task for domestic banks to upgrade factoring business as soon as possible. China's commercial banks need to make continuous efforts in product innovation, risk management and other aspects, learn from foreign advanced management experience, to meet the different needs of various customers, and enhance their comprehensive competitiveness.
The problems existing in factoring business of commercial banks in China are as follows: the financing standards involved in factoring business must serve the requirements of commercial banks in issuing loans. The monitoring ability of capital flow can not provide enough non-mortgaged financing services for high-quality customers, and can not give preferential interest rate pricing. In terms of product types, China's service items and types are limited, mainly focusing on providing financing and account collection for customers. Other services are less provided. In terms of credit risk, I China's commercial banks should bear the risk of credit risk alone, thereby increasing the risk cost.
Through the analysis of the external environment of factoring business development in China, the self-construction of commercial banks and the development of independent factoring companies, this paper expounds the aspects in which factoring business is applied and the reasons which hinder the development of factoring business in the general government branch of XX Bank, studies these deep-seated reasons, and puts forward the general bank of XX. Fu Branch's Countermeasures to further develop factoring business.
The paper is divided into five parts. The first part is the introduction, which introduces the research background and purpose of the paper, the research status at home and abroad, the research methods and innovations of the paper. The development of factoring in China and abroad is summarized. The development of factoring in China is promoted by comparing the current situation at home and abroad and drawing lessons from the advanced experience of factoring in foreign countries. The third part starts from the development of factoring in China and the current situation of commercial banks in China, and finds out the development of factoring in China by analyzing the external and internal environment. The fourth part is the SWOT analysis of the factoring business of the general government branch of XX Bank. Through the comparative analysis of the advantages and disadvantages, it summarizes the necessity of developing factoring business. The fifth part puts forward the Countermeasures for further development of factoring business of the general government branch of XX Bank, that is, to improve the external environment of factoring business development and strengthen business. The bank's own construction promotes the development of factoring business, actively explores the rich types of factoring business, and strengthens the publicity of factoring business.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
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