基于电商平台的供应链金融的银行风险管理问题研究
本文关键词:基于电商平台的供应链金融的银行风险管理问题研究 出处:《海南大学》2017年硕士论文 论文类型:学位论文
【摘要】:供应链金融作为解决中小企业融资难问题的突破口,自2006年平安银行(原深圳发展银行)率先开展供应金融业务以来,得到了商业银行的争先推广和广泛的应用。随着信息经济时代的到来,电子商务蓬勃发展,通过电子商务平台进行线上贸易的中小企业越来越多,这类中小企业在享受"信息流"加速的同时,依然面临着"资金流"的短缺。大型电商企业通过与银行合作或自建金融服务机构介入传统供应链金融业务,推动了供应链金融业务由线下向线上的转变,基于电商平台的供应链金融的发展已成为大趋势。本文在考察了市场上大量的电商平台上的供应链金融业务实践后,在已有研究的基础上,对我国电商平台上的供应链金融的发展现状和风险管理进行了研究。文章阐述了电子商务平台的参与对供应链金融的影响和我国目前电商供应链金融发展的现状,并总结了基于电商平台的供应链金融与传统供应链金融相比的优势。目前国内外对基于电商平台的供应链金融风险问题的研究还较为稀少,本文以《巴塞尔新资本协议》对银行提出的全面风险管理的要求为基础,识别了电子商务环境中银行开展供应链金融业务时新的风险要素,结合电商平台上供应链金融风险特征,确立了基于电商平台的供应链金融业务风险评价指标。之后本文运用层次分析法计算出指标权重,构建了基于电商平台的银行供应链金融业务风险评价表。最后,本文总结了目前银行在电商平台上的供应链金融业务中风险控制中的不足,从企业相关风险控制、供应链融资业务运营中相关风险控制和交易项下资产相关风险控制三个方面提出了风险控制方案。本文从风险识别、评价、控制出发系统性的研究了基于电商平台的供应链金融中银行的风险管理问题,建立的风险评价表为目前研究较为欠缺的线上供应链金融风险评价提供了一定理论研究基础。同时,对基于电商平台的供应链风险控制的研究对银行开展线上供应链金融业务有一定的实践指导意义。
[Abstract]:Supply chain finance as a breakthrough to solve the financing difficulties of SMEs since 2006 Ping an Bank (formerly Shenzhen Development Bank) took the lead in the supply finance business. With the arrival of the information economy era, e-commerce is booming, and more and more small and medium-sized enterprises trade online through e-commerce platform. While enjoying the acceleration of "information flow", these small and medium-sized enterprises still face the shortage of "capital flow". Large e-commerce enterprises are involved in traditional supply chain financial business by cooperating with banks or building their own financial services institutions. Promoted the supply chain financial business from offline to online transformation. The development of supply chain finance based on ecommerce platform has become a major trend. This paper reviews a large number of e-commerce platform on the supply chain financial business practices, on the basis of existing research. This paper studies the development and risk management of supply chain finance on e-commerce platform in China. This paper expounds the influence of the participation of e-commerce platform on supply chain finance and the current situation of supply chain finance development in China. . And summarized the advantages of supply chain finance based on e-commerce platform compared with traditional supply chain finance. At present, the domestic and foreign research on supply chain financial risk based on e-commerce platform is relatively rare. Based on the requirements of the Basel New Capital Accord for the comprehensive risk management of the banks, this paper identifies the new risk factors in the e-commerce environment when banks carry out the supply chain financial business. Combined with the characteristics of supply chain financial risk on the ecommerce platform, this paper establishes the evaluation index of supply chain financial business risk based on ecommerce platform. Then, this paper calculates the index weight by using AHP. Finally, this paper summarizes the deficiency of risk control in the supply chain financial business of banks on the platform of e-commerce. From three aspects: enterprise related risk control, supply chain financing operation related risk control and asset related risk control under transaction item, this paper puts forward the risk control scheme from risk identification and evaluation. This paper systematically studies the risk management of banks in supply chain finance based on e-commerce platform. The established risk assessment form provides a theoretical basis for the online supply chain financial risk assessment, which is lacking in the current research. At the same time, it provides a theoretical basis for the financial risk assessment of the online supply chain. The research on supply chain risk control based on e-commerce platform has certain practical significance for banks to carry out online supply chain financial business.
【学位授予单位】:海南大学
【学位级别】:硕士
【学位授予年份】:2017
【分类号】:F274;F832
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