A银行供应链金融的风险管理研究

发布时间：2018-04-21 13:57

本文选题：供应链金融 + 风险管理　；参考：《郑州大学》2017年硕士论文

【摘要】：在市场经济蓬勃发展的今天,我国的中小企业已经占据国民经济的半壁江山,随着市场的逐步开放,企业相互之间竞争激烈,利润摊薄,各家企业为了寻求新的盈利点,纷纷开始涉足供应链,供应链金融业务这一金融创新业务也应运而生。供应链金融业务是将一个行业供应链中的核心企业以及其相关的上下游企业看作为一个整体,以存货归属权和资金流需求为基础,根据供应链中不同行业的特点以及相关企业的情况制定一个适用于整体的融资方式。供应链金融的风险是银行等金融机构在对相关企业提供供应链金融服务时发生损失或收益的不确定性。由于在宏观经济环境中面临着较多的无法确定因素,导致了供应链金融承担着越来越复杂的金融风险并且这已成为制约供应链金融发展的关键问题,为了我国供应链金融业务有更稳固的发展,对供应链金融业务做好风险管理也极为重要。通过分析国内外对供应链金融风险管理的分析、总结,以及对A银行供应链金融发展现状以及风险管理现状分析,总结了供应链金融风险管理过程中主要存在的问题:第一,供应链金融中产生的应收账款能否按时收回是供应链金融风险管理的一项重点。第二,供应链行业中制造业占比过高。第三,供应链金融业务授信审批体系存在缺陷。第四,信用评级不够细化,没有一套针对供应链业务的信用评级体系。第五,电子化、信息化水平有待提高。第六,供应链金融业务的风险防范体制不够规范,没有制定相关的规范和政策。通过对供应链金融风险管理现状系统的分析,找出了现在商业银行供应链金融风险管理中存在的问题以及不足,并具有针对性的给出了适用于商业银行的对策。基于对商业银行供应链金融的分析与研究,分别从应收账款管理、授信审批体系、风险管理监督体系、管理操作平台、信用评级几个方面着手,建立了专门针对供应链金融的授信审批体系、完善的风险管理监督系统、细化了供应链金融的信用评级。不止是A银行,国内大多数商业银行只看到了供应链金融业务的飞速发展带来的巨大效益,往往会忽视供应链金融存在的潜在的特定的风险。本文的这些对策虽然是针对案例银行供应链金融风险管理不足提出的,但具有普适性,希望对我国银行业的供应链金融风险管理也具有启示意义。
[Abstract]:With the vigorous development of the market economy today, the small and medium-sized enterprises in our country have occupied half of the national economy. With the gradual opening of the market, the competition between enterprises is fierce and profits are diluted. In order to seek new profit points, Begin to dabble in supply chain one after another, supply chain finance business this financial innovation business also arises at the historic moment. The supply chain financial business regards the core enterprises and the related upstream and downstream enterprises in an industry supply chain as a whole, which is based on the ownership of inventory and the demand of capital flow. According to the characteristics of different industries in the supply chain and the situation of related enterprises, a financing method suitable for the whole is developed. The risk of supply chain finance is the uncertainty of loss or income of financial institutions such as banks in providing supply chain financial services to related enterprises. Because there are many uncertain factors in the macroeconomic environment, supply chain finance bears more and more complex financial risks, which has become the key problem restricting the development of supply chain finance. In order to have a more stable development of supply chain financial business, it is also very important to do a good job of risk management in supply chain financial business. Through the analysis of domestic and foreign analysis of supply chain financial risk management, summary, and A bank supply chain financial development and risk management status analysis, summed up the main problems in the supply chain financial risk management process: first, Whether the accounts receivable generated in supply chain finance can be recovered on time is a key point of supply chain financial risk management. Second, the supply chain industry in the manufacturing sector is too high. Third, there are defects in the credit approval system of supply chain financial business. Fourth, the credit rating is not detailed enough, there is no set of supply chain business credit rating system. Fifth, electronic, the level of information needs to be improved. Sixth, supply chain financial business risk prevention system is not standardized, has not formulated relevant norms and policies. Through the systematic analysis of the current situation of supply chain financial risk management, this paper finds out the existing problems and deficiencies in the current supply chain financial risk management of commercial banks, and puts forward some countermeasures suitable for commercial banks. Based on the analysis and research on the supply chain finance of commercial banks, this paper starts from the aspects of accounts receivable management, credit approval system, risk management supervision system, management operation platform and credit rating. A credit approval system for supply chain finance and a perfect risk management and supervision system are established to refine the credit rating of supply chain finance. Not only Bank A, most commercial banks in China only see the huge benefits brought by the rapid development of supply chain financial business, and often ignore the potential specific risks of supply chain finance. Although these countermeasures are put forward in view of the lack of case bank supply chain financial risk management, they are universal, and hope to have enlightenment significance to the supply chain financial risk management of our country's banking industry.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F274;F832.33

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