中国银行S分行供应链融资业务风险管理研究

发布时间：2018-09-03 16:37

【摘要】：商业银行是经营风险的主体,其经营的本质在于债权以及债权的实现。商业银行的发展必然不能脱离实体经济的要求,具体表现在企业组织形式的发展、行为模式的变革以及交易方式的转变。随着企业组织行为模式的转变,供应链管理在近二十年中得到高度的重视,并迅速地发展起来。大型企业开始逐渐认识到稳定的供应链能够产生价值,即价值链的存在。市场竞争已经从微观企业之间的竞争演化为供应链的竞争,供应链的管理以及供应链的风险管理已经成为大型企业采用并不断完善的管理手段。伴随市场模式的转变,供应链融资也成为了新型的融资方式,不仅能够帮助处于供应链上下游的企业缓解资金压力,还能够使银行批量式营销客户,产生业绩,因此商业银行也逐渐参与到供应链这条价值链当中,并且扮演了重要的角色。金融机构的参与无疑增加了供应链的稳定性并提高了核心企业资源整合的能力,对经济的发展提供了巨大的支持。新生事物总会出现让人始料未及的情况,经济下滑、市场转向、需求改变等等风险事件也在供应链发展中逐步暴露出来,对供应链以及供应链融资提出了挑战。我国供应链融资较欧美国家开展较晚,却也经历了西方国家所出现过的风险管理问题。商业银行近几年供应链融资业务发展迅速,但违约事件出现的频率也越来越高,企业申请融资的难度越来越大,供应链断裂的事件增多,使得供应链融资中的违约风险越来越高。因此,研究商业银行对供应链融资的风险管理,保障商业银行资金安全成为了商业银行中十分重要的研究领域。中国银行作为四大国有银行,也是国际化水平最高的银行,分支机构遍布全球,在全球化的供应链融资业务中有着较为明显的优势,因此,其在供应链融资业务发展过程中暴露出来的问题更值得探讨与分析,以便于其今后在全球范围内更好的提供供应链融资服务。本文首先对供应链及供应链融资的发展演化进行介绍分析,重点对国内外特别是西方供应链融资管理的发展现状以及主流理论进行剖析和理解,介绍了欧美国家较为先进的供应链融资管理手段,并对供应链融资存在的风险及特征进行分析,同时,结合自身工作,以中国银行S分行为例,对其当前的供应链融资发展情况以及风险管理架构进行了介绍,并利用现实的案例分析,试图对中国银行现有的供应链融资模式中存在的风险及问题进行解析。通过对现有模式下供应链融资出现的问题,归纳总结提出建议:主要从完善风险管理组织结构、优化供应链融资风险管理流程、丰富供应链融资风险管理手段以及建立有效的信贷风险预警系统等方面改进供应链融资的风险管理。
[Abstract]:Commercial bank is the main body of management risk, the essence of its management lies in creditor's rights and the realization of creditor's rights. The development of commercial banks must not be divorced from the requirements of the real economy, which is embodied in the development of the organizational form of enterprises, the transformation of the behavior mode and the transformation of the transaction mode. With the change of organizational behavior mode, supply chain management (SCM) has been attached great importance in the past twenty years and developed rapidly. Large enterprises begin to realize that a stable supply chain can produce value, that is, the existence of value chain. Market competition has evolved from competition among micro enterprises to supply chain competition. Supply chain management and supply chain risk management have been adopted and continuously improved by large enterprises. With the change of market mode, supply chain financing has become a new financing method, which can not only help the enterprises in the upstream and downstream of the supply chain alleviate the financial pressure, but also enable the banks to market customers in batches and produce performance. Therefore, commercial banks gradually participate in the supply chain value chain and play an important role. The participation of financial institutions has undoubtedly increased the stability of supply chain and enhanced the ability of resource integration of core enterprises, which has provided enormous support for the development of economy. New things always appear unexpected situation, economic decline, market turn, change of demand and other risk events are gradually exposed in the development of supply chain, the supply chain and supply chain financing challenges. Supply chain financing in China is later than that in Europe and America, but it has also experienced the risk management problems in western countries. In recent years, the supply chain financing business of commercial banks has developed rapidly, but the frequency of default incidents is also becoming higher and higher, the difficulty of enterprises applying for financing is becoming more and more difficult, and the incidents of supply chain breakage are increasing. It makes the default risk of supply chain financing higher and higher. Therefore, the research on the risk management of the supply chain financing and the guarantee of the security of the commercial bank funds has become a very important research field in the commercial banks. As the four largest state-owned banks, Bank of China is also the most internationalized bank with branches all over the world. It has obvious advantages in the global supply chain financing business. The problems exposed in the development of supply chain financing business are more worthy of discussion and analysis in order to provide better supply chain financing services in the world in the future. This paper first introduces and analyzes the development and evolution of supply chain and supply chain financing, focusing on the analysis and understanding of the current situation and mainstream theories of supply chain financing management at home and abroad, especially in the west. This paper introduces the advanced means of supply chain financing management in Europe and America, and analyzes the risks and characteristics of supply chain financing. At the same time, taking the S branch of Bank of China as an example, This paper introduces the current development of supply chain financing and its risk management framework, and attempts to analyze the risks and problems existing in the current supply chain financing model of Bank of China by using a practical case study. Through the existing supply chain financing problems, summarized and put forward suggestions: mainly from the improvement of risk management organizational structure, optimize the supply chain financing risk management process, Enrich the means of supply chain financing risk management and establish an effective credit risk warning system to improve supply chain financing risk management.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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