J银行供应链融资业务风险管理优化研究
发布时间：2018-10-31 12:11
【摘要】：就商业银行来看,风险管理是其经营管理的核心。当前金融改革和利率市场化进程不断深入加快,传统利差在商业银行内不断缩小,创新金融服务工具是适应银行自身发展需要的重要手段。在各类金融创新中,供应链提供了一条值得探索的路径,通过从供应链条上的核心企业出发,商业银行可以同时向整个链条上的企业提供全方位综合金融服务,有利于解决整个链条上资金周转问题,促进资源整合,同时也为商业银行的贷款、结算、资金管理、财务顾问等综合性金融业务带来很大市场。当前我国商业银行纷纷推出供应链融资服务、抢夺市场份额,J银行凭借其在市场的优势地位、份额、专业技术等,也适时推出了自己的供应链融资品牌,运作模式也在不断完善的过程中。对于处于起步阶段供应链融资的运营模式还没有形成特别标准的操作流程,内部管理尚不完善、授信管理存在漏洞以及外部环境有所欠缺等,均积聚了商业银行在开展供应链融资业务中的风险。全文首先介绍供应链融资风险管理的研究背景及意义,阐述相关已有研究成果及理论基础,直接呈现出论文的整体框架;然后对供应链融资风险管理相关理论进行概述,主要是以J银行为例对其产品及流程开展相关介绍,并描述风险管理现状,分析不同的风险类型、来源及造成风险的原因,以此为据,反映现阶段J银行对运作供应链融资业务过程中的风险管理进行优化的必要性;紧接前文分析的基础上,通过对供应链融资业务风险管理现状的分析,找出目前管理环节的问题所在,最后对风险管理优化提出建议。本文探讨研究的创新之处首先在于研究丰富了供应链理论在商业银行领域的应用,尤其是对J银行相关业务的开展有所裨益。其次本文从J银行出发,阐述其在供应链融资这一新兴产品运营过程中的风险管理,聚焦其模式特点造成风险的特征,文章通过风险事项找出不足,提出问题并给出具体优化建议,解决存在的缺陷。三是本文由特殊到一般,聚焦行业延伸出普遍借鉴意义。同时本文对同步解决中小企业融资难问题和推动商业银行产品创新发展有积极作用。
[Abstract]:As far as commercial banks are concerned, risk management is the core of their management. At present, the process of financial reform and interest rate marketization is speeding up, and the traditional interest rate gap is shrinking in commercial banks. Innovation of financial service tools is an important means to meet the needs of banks' own development. Among all kinds of financial innovation, the supply chain provides a path worth exploring. By starting from the core enterprises in the supply chain, commercial banks can simultaneously provide comprehensive and comprehensive financial services to the enterprises in the whole chain. It is beneficial to solve the problem of capital turnover in the whole chain and promote the integration of resources. At the same time, it also brings a large market for the comprehensive financial business of commercial banks, such as loan, settlement, fund management, financial consultant and so on. At present, commercial banks in our country have launched supply chain financing services one after another to seize market share. Bank J has also launched its own supply chain financing brand at the right time by virtue of its dominant position, share and professional technology in the market. The mode of operation is also in the process of continuous improvement. For the operation mode of supply chain financing in the initial stage, there is no special standard operation flow, the internal management is not perfect, the credit management has loopholes and the external environment is lacking, etc. All accumulated the commercial banks in the development of supply chain financing business risk. Firstly, the paper introduces the research background and significance of supply chain financing risk management, expounds the related research results and theoretical basis, and presents the overall framework of the paper directly. Then it summarizes the relevant theories of supply chain financing risk management, mainly taking J Bank as an example to introduce its products and processes, and describes the current situation of risk management, analyzes different risk types, sources and causes of risk. According to this, it reflects the necessity of J Bank to optimize the risk management in the process of operation of supply chain financing business. On the basis of the previous analysis, through the analysis of the current situation of risk management in supply chain financing business, this paper finds out the problems in the current management links, and finally puts forward some suggestions for risk management optimization. The innovation of this paper is that the research enriches the application of supply chain theory in commercial banks, especially for the development of J bank related business. Secondly, starting from J Bank, this paper expounds the risk management in the process of supply chain financing, focusing on the characteristics of risk caused by the characteristics of its mode. Put forward problems and give specific optimization suggestions to solve the existing defects. Third, this article from special to general, focusing on the industry extends out of the general reference significance. At the same time, this paper plays a positive role in solving the financing difficulties of SMEs and promoting the innovation and development of commercial bank products.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F274
[Abstract]:As far as commercial banks are concerned, risk management is the core of their management. At present, the process of financial reform and interest rate marketization is speeding up, and the traditional interest rate gap is shrinking in commercial banks. Innovation of financial service tools is an important means to meet the needs of banks' own development. Among all kinds of financial innovation, the supply chain provides a path worth exploring. By starting from the core enterprises in the supply chain, commercial banks can simultaneously provide comprehensive and comprehensive financial services to the enterprises in the whole chain. It is beneficial to solve the problem of capital turnover in the whole chain and promote the integration of resources. At the same time, it also brings a large market for the comprehensive financial business of commercial banks, such as loan, settlement, fund management, financial consultant and so on. At present, commercial banks in our country have launched supply chain financing services one after another to seize market share. Bank J has also launched its own supply chain financing brand at the right time by virtue of its dominant position, share and professional technology in the market. The mode of operation is also in the process of continuous improvement. For the operation mode of supply chain financing in the initial stage, there is no special standard operation flow, the internal management is not perfect, the credit management has loopholes and the external environment is lacking, etc. All accumulated the commercial banks in the development of supply chain financing business risk. Firstly, the paper introduces the research background and significance of supply chain financing risk management, expounds the related research results and theoretical basis, and presents the overall framework of the paper directly. Then it summarizes the relevant theories of supply chain financing risk management, mainly taking J Bank as an example to introduce its products and processes, and describes the current situation of risk management, analyzes different risk types, sources and causes of risk. According to this, it reflects the necessity of J Bank to optimize the risk management in the process of operation of supply chain financing business. On the basis of the previous analysis, through the analysis of the current situation of risk management in supply chain financing business, this paper finds out the problems in the current management links, and finally puts forward some suggestions for risk management optimization. The innovation of this paper is that the research enriches the application of supply chain theory in commercial banks, especially for the development of J bank related business. Secondly, starting from J Bank, this paper expounds the risk management in the process of supply chain financing, focusing on the characteristics of risk caused by the characteristics of its mode. Put forward problems and give specific optimization suggestions to solve the existing defects. Third, this article from special to general, focusing on the industry extends out of the general reference significance. At the same time, this paper plays a positive role in solving the financing difficulties of SMEs and promoting the innovation and development of commercial bank products.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F274
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