H商业保理公司风险管理研究

发布时间：2018-04-03 14:30

本文选题：商业保理　切入点：风险管理　出处：《北京交通大学》2017年硕士论文

【摘要】：由于经济的飞速发展,社会对于商品的需求有所下降,赊销问题逐渐凸显出来,尤其是对于中小企业,他们的资金流通机制不够完备,因此对于外部的竞争环境的应变能力较差,赊销难以兑现将成为滞后其发展的重要原因。在这一情况下,中小企业对于银行贷款有着极高的依赖,但是其自身条件限制了银行对其的贷款,使得商业保理的具有较多客户保证,发展空间较大。在2016年的政府工作会议上,李克强提出了我国未来的保理行业应该遵循的新规。本文主要是希望通过降低保理公司的业务风险,促进保理公司的健康发展,进而为中小型公司的融资拓宽了渠道。这样,我国的中小型企业就有了做大做强的资金保证,有利于我国市场经济体制的企业的有序发展,促进我国整体经济实力的增长。带动我国的经济进步,增强我国企业在世界市场上的竞争力。本文对文章的理论基础进行了阐述,包括商业保理的优势、风险管理理论,文章接着对H保理公司进行介绍,包括H保理公司的介绍、业务流程描述、限制H保理业务开展的主要因素等内容。文章在第三四部分使用头脑风暴以及菲尔德法对H商业保理公司的风险进行了识别,并使用层次分析法对商业保理业务风险进行了评估,最后针对评估结果提出应对措施,初步建立了H保理公司的风险防范体系,建立了初步的可供内部使用的项目指标评价表,并在一个项目进行实际的验证,得到初步的可行验证确认。
[Abstract]:Due to the rapid development of economy, the demand for commodities has declined, and the problem of credit sales has gradually become prominent. Especially for small and medium-sized enterprises, their capital circulation mechanism is not complete enough.Therefore, for the external competitive environment, the ability to adapt is poor, and the difficulty of credit sales will become an important reason for lagging behind its development.In this case, SMEs have a high degree of dependence on bank loans, but their own conditions limit the banks' loans to them, which makes commercial factoring have more customer guarantee and larger development space.At the 2016 government work conference, Li Keqiang proposed new rules for China's future factoring industry.This paper hopes to reduce the business risk of factoring companies, promote the healthy development of factoring companies, and then broaden the channels for the financing of small and medium-sized companies.In this way, the small and medium-sized enterprises of our country have the capital guarantee of becoming bigger and stronger, which is beneficial to the orderly development of the enterprises in the market economy system of our country, and promotes the growth of the whole economic strength of our country.Drive our country's economic progress, enhance our country's enterprises in the world market competitiveness.This article has carried on the elaboration to the article theory foundation, including the commercial factoring superiority, the risk management theory, the article then carries on the introduction to the H factoring company, including H factoring company's introduction, the business process description,Limiting H factoring business to carry out the main factors and so on.In the third and fourth part, we use brainstorming and field method to identify the risk of H commercial factoring company, and use AHP to evaluate the risk of commercial factoring business. Finally, some countermeasures are put forward to deal with the evaluation results.The risk prevention system of H factoring Company is established preliminarily, and a preliminary evaluation list of project indexes for internal use is established, and the actual verification is carried out in a project, and the preliminary feasible verification is obtained.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F272.3;F832.39

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