PA银行供应链融资管理研究
发布时间：2018-08-21 11:06
【摘要】：当前,在国内外履行《巴塞尔协议Ⅲ》的要求,以及国内监管对银行业的监督管理、资本约束力度一再提高的背景下,银行业通过合法途径所进行的金融创新越发重要,未来改革的大方向主要集中在增加尽量少利用甚至不利用资本的中间业务在银行盈利中的比例。根据资本协议对不同风险权重的规定,贸易融资项目的权重仅占传统信贷业务的20%,其本身所具有的低资本消耗的特性,也确实缓解了银行内源资本的问题,有利于缓解商业银行资本补充的压力,势必会成为未来银行的发展重点。良好的供应链融资模型,可以为供应链上下游的中小企业融资提供良好的解决方案。目前,中小企业在我国经济发展中起着重要的作用,但由于国内金融支持体系的不健全,广大中小企业普遍存在融资难、贷款难的问题,供应链融资模型有效地解决了这一类问题,并从一定程度上实现风险的有效规避,达到银行与企业的双赢。本文从供应链融资管理的基本理论知识出发,介绍了供应链融资、供应链融资相关产品。并以PA银行(原S银行)供应链融资管理为例,分析供应链融资的发展及风险,并最终着眼于供应链融资风险管理。结合供应链融资风险管控的相关知识,探索股份制商业银行在目前外部经济形势复杂的前提下,如何更好的通过供应链融资化解风险,并为管理者提供建议,通过银行发展转型和创新性产品,在有效规避风险的同时,促使银行整体健康快速发展。全文第一章阐述了研究的背景和意义;第二章具体介绍了供应链融资相关概念、供应链融资产品;第三章介绍了PA银行供应链融资发展状况;第四章在供应链融资风险评价的基础上,借助典型案例,从供应链融资的三种业务模式出发,分析不同业务模式所面临的风险,并在此基础上,将PA银行供应链融资与传统融资方式进行SWOT分析;最后,从商业银行供应链融资全面风险管理的角度提出了具体的措施和建议。
[Abstract]:At present, under the background of fulfilling the requirements of Basel III at home and abroad, the supervision and management of the banking industry and the capital constraint, the financial innovation carried out by the banking industry through legal channels is becoming more and more important. The main direction of future reform is to increase the proportion of intermediate business that uses little or no capital in bank profits. According to the provisions of the capital agreement on different risk weights, the weight of trade financing projects is only 20% of the traditional credit business, and its own characteristics of low capital consumption have really alleviated the problem of endogenous capital in banks. To ease the pressure of capital replenishment of commercial banks, it is bound to become the development focus of banks in the future. A good supply chain financing model can provide a good solution for SMEs financing upstream and downstream of the supply chain. At present, small and medium-sized enterprises play an important role in the economic development of our country. However, due to the unsound domestic financial support system, the vast number of small and medium-sized enterprises generally have the problems of difficult financing and difficult loans. The supply chain financing model solves this kind of problem effectively, and realizes the risk effectively to a certain extent, achieves the win-win situation between the bank and the enterprise. Based on the basic theory of supply chain financing management, this paper introduces supply chain financing and supply chain financing related products. Taking the supply chain financing management of PA Bank (formerly S Bank) as an example, this paper analyzes the development and risk of supply chain financing, and finally focuses on supply chain financing risk management. Based on the knowledge of supply chain financing risk management, this paper explores how joint-stock commercial banks can better resolve risks through supply chain financing under the premise of complex external economic situation, and provide advice to managers. Through the development of transformation and innovative products, banks can effectively avoid risks and promote the healthy and rapid development of the bank as a whole. The first chapter describes the background and significance of the research; the second chapter introduces the related concepts of supply chain financing, supply chain financing products, the third chapter introduces the development of PA bank supply chain financing; On the basis of the risk evaluation of supply chain financing, the fourth chapter analyzes the risks faced by different business models from the three business models of supply chain financing with the help of typical cases, and on this basis, The SWOT analysis of PA bank supply chain financing and traditional financing method is carried out. Finally, the concrete measures and suggestions are put forward from the point of view of comprehensive risk management of supply chain financing of commercial banks.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275;F274
本文编号：2195523
[Abstract]:At present, under the background of fulfilling the requirements of Basel III at home and abroad, the supervision and management of the banking industry and the capital constraint, the financial innovation carried out by the banking industry through legal channels is becoming more and more important. The main direction of future reform is to increase the proportion of intermediate business that uses little or no capital in bank profits. According to the provisions of the capital agreement on different risk weights, the weight of trade financing projects is only 20% of the traditional credit business, and its own characteristics of low capital consumption have really alleviated the problem of endogenous capital in banks. To ease the pressure of capital replenishment of commercial banks, it is bound to become the development focus of banks in the future. A good supply chain financing model can provide a good solution for SMEs financing upstream and downstream of the supply chain. At present, small and medium-sized enterprises play an important role in the economic development of our country. However, due to the unsound domestic financial support system, the vast number of small and medium-sized enterprises generally have the problems of difficult financing and difficult loans. The supply chain financing model solves this kind of problem effectively, and realizes the risk effectively to a certain extent, achieves the win-win situation between the bank and the enterprise. Based on the basic theory of supply chain financing management, this paper introduces supply chain financing and supply chain financing related products. Taking the supply chain financing management of PA Bank (formerly S Bank) as an example, this paper analyzes the development and risk of supply chain financing, and finally focuses on supply chain financing risk management. Based on the knowledge of supply chain financing risk management, this paper explores how joint-stock commercial banks can better resolve risks through supply chain financing under the premise of complex external economic situation, and provide advice to managers. Through the development of transformation and innovative products, banks can effectively avoid risks and promote the healthy and rapid development of the bank as a whole. The first chapter describes the background and significance of the research; the second chapter introduces the related concepts of supply chain financing, supply chain financing products, the third chapter introduces the development of PA bank supply chain financing; On the basis of the risk evaluation of supply chain financing, the fourth chapter analyzes the risks faced by different business models from the three business models of supply chain financing with the help of typical cases, and on this basis, The SWOT analysis of PA bank supply chain financing and traditional financing method is carried out. Finally, the concrete measures and suggestions are put forward from the point of view of comprehensive risk management of supply chain financing of commercial banks.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275;F274
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