商业银行出口应收账款池融资及其风险管理研究
发布时间：2018-10-10 06:09
【摘要】：在赊销逐渐成为国际贸易主流结算方式的金融背景下，我国中小型出口企业应收账款大量积压，，且具有零散、单笔金额小的特征，结合我国商业银行的投资需求与中小型出口企业流动资金紧张的现状，笔者认为出口应收账款池融资作为一项创新的供应链融资模式是解决中小型出口企业资金流动性不足的最完美的方式，应该在我国的商业银行中大力推广。为了证明该融资模式的优越性，本文采用了文献研究法和案例分析法来分析出口应收账款池融资的具体运作模式和其创新的风险控制措施。通过文献研究和国外大型金融机构的经验借鉴为本文的论证奠定理论基础；通过分析Z银行为H企业量身定制的出口应收账款池融资方案展现出该融资模式在运作设计上的谨慎性和周密性，此外，除了自偿性贸易融资评级体系和电子商务平台等常见的风险防控方式，该融资模式还采用了创新的风险控制原理——大数法则和锁箱安排，将风险控制在商业银行能够承受的范围内，大大提高银行的盈利能力。因此，出口应收账款池融资不仅为我国中小型出口企业提供了全新的融资渠道，同时也为我国商业银行增加了新的盈利途径，值得在我国金融行业进行大力推广。
[Abstract]:Under the financial background that credit gradually becomes the mainstream settlement method of international trade, the accounts receivable of small and medium-sized export enterprises in our country have a large amount of backlog, and have the characteristics of scattered and small amount of money. Combined with the investment needs of commercial banks in China and the current situation of the shortage of liquidity in small and medium-sized export enterprises, The author thinks that as an innovative supply chain financing mode, the export accounts receivable pool financing is the most perfect way to solve the lack of liquidity of small and medium-sized export enterprises, and should be popularized in commercial banks of our country. In order to prove the superiority of this financing model, this paper uses the literature research method and the case analysis method to analyze the concrete operation mode of export accounts receivable pool financing and its innovative risk control measures. Through the literature study and the experience of foreign large financial institutions to establish a theoretical basis for this argument; Through the analysis of the export accounts receivable pool financing scheme tailored by Z Bank for H enterprise, it shows that the financing mode is careful and careful in operation design. In addition to common risk prevention and control methods such as self-compensated trade finance rating systems and e-commerce platforms, the financing model also uses innovative risk control principles-the principle of large numbers and locking arrangements. To control the risk within the scope of commercial banks can greatly improve the profitability of banks. Therefore, the export accounts receivable pool financing not only provides a new financing channel for our small and medium-sized export enterprises, but also adds a new profit way for our commercial banks, which is worth promoting in the financial industry of our country.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F830.42
本文编号：2260929
[Abstract]:Under the financial background that credit gradually becomes the mainstream settlement method of international trade, the accounts receivable of small and medium-sized export enterprises in our country have a large amount of backlog, and have the characteristics of scattered and small amount of money. Combined with the investment needs of commercial banks in China and the current situation of the shortage of liquidity in small and medium-sized export enterprises, The author thinks that as an innovative supply chain financing mode, the export accounts receivable pool financing is the most perfect way to solve the lack of liquidity of small and medium-sized export enterprises, and should be popularized in commercial banks of our country. In order to prove the superiority of this financing model, this paper uses the literature research method and the case analysis method to analyze the concrete operation mode of export accounts receivable pool financing and its innovative risk control measures. Through the literature study and the experience of foreign large financial institutions to establish a theoretical basis for this argument; Through the analysis of the export accounts receivable pool financing scheme tailored by Z Bank for H enterprise, it shows that the financing mode is careful and careful in operation design. In addition to common risk prevention and control methods such as self-compensated trade finance rating systems and e-commerce platforms, the financing model also uses innovative risk control principles-the principle of large numbers and locking arrangements. To control the risk within the scope of commercial banks can greatly improve the profitability of banks. Therefore, the export accounts receivable pool financing not only provides a new financing channel for our small and medium-sized export enterprises, but also adds a new profit way for our commercial banks, which is worth promoting in the financial industry of our country.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F830.42
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