基于社会网络分析法SNA的船舶贷款产品设计

发布时间：2018-03-27 14:49

本文选题：信贷产品　切入点：船舶信贷　出处：《南京大学》2014年硕士论文

【摘要】：步入21世纪后,我国经济的快速发展促使船舶工业迅速成为支柱产业,但是大量造船厂及船运公司资金周转能力的相对不匹配导致其资金链失衡,在一定程度上限制了企业发展,而本文中船舶贷款产品的设计能有效缓解企业资金链失衡问题,从源头上保障里下河地区船舶工业的平稳发展。本文首先分析了国内外信贷产品的研究现状和我国船舶工业的宏观环境,随后整理了国内船舶信贷产品的分类、构成、特点及风险等,为我国船舶信贷产品的开发和优化提供了启示。此后通过调查问卷方式,随机抽取泰州市海陵区和新区作为样本调查船舶信贷产品的市场需求和实际情况,发现船舶信贷产品的需求、市场空间大,产品的实际使用不到位,产品种类单一,难以满足船舶企业的需求,因此商业银行有必要开发相应的船舶信贷产品。文章以海选指标为研究基础,通过指标的打分,权重的计算,初步筛选出客户需求相关度较高的指标,在此基础上继续筛选出点度最高的几项指标作为银行产品设计时的关键指标,同时利用上述关键指标设计初步的授信方案。然后以XX银行为例,运用社会网络分析法(SNA)等建立的关键指标为其优化了一款船舶贷款产品,添补了该银行此方面的空白。文章最后对商业银行如何推行船舶信贷产品、业务及优化产品提出了展望和建议。本文的目的在于通过提出关键指标分析进而开发、优化商业银行船舶信贷产品,在扩充商业银行船舶信贷产品种类的基础上,对商业银行船舶信贷产品的创新设计起到引导和启示作用。日后的研究可以致力于深入研究和开发商业银行新的船舶信贷产品,同时也可以利用船舶信贷产品的业务数据对船舶信贷产品的运行效果进行更为深入的实证分析。
[Abstract]:After entering the 21st century, the rapid development of China's economy has prompted the shipbuilding industry to become a pillar industry, but the relative mismatch of the capital turnover capacity of a large number of shipyards and shipping companies leads to the imbalance of its capital chain. To a certain extent, the development of enterprises is restricted, and the design of ship loan products in this paper can effectively alleviate the imbalance of enterprise capital chain. Firstly, this paper analyzes the research status of domestic and foreign credit products and the macro environment of China's shipbuilding industry, and then collates the classification and composition of domestic ship credit products. The characteristics and risks provide enlightenment for the development and optimization of ship credit products in our country. After that, by means of questionnaire, we randomly select Hailing District and New area of Taizhou City as samples to investigate the market demand and actual situation of ship credit products. It is found that the demand for ship credit products has a large market space, the actual use of products is not in place, and the types of products are single, so it is difficult to meet the needs of shipping enterprises. Therefore, it is necessary for commercial banks to develop the corresponding ship credit products. On this basis, we continue to screen out several indicators with the highest vertices as the key indicators in the design of bank products, and at the same time, we use the above key indicators to design a preliminary credit scheme. Then taking XX Bank as an example, The key indexes established by the method of social network analysis (SNA) are used to optimize a ship loan product and fill the blank in this respect. Finally, the paper discusses how commercial banks carry out ship credit products. The purpose of this paper is to develop and optimize the ship credit products of commercial banks through the analysis of key indicators, and on the basis of expanding the types of ship credit products of commercial banks. It can guide and enlighten the innovative design of ship credit products of commercial banks. The future research can be devoted to the further research and development of new ship credit products of commercial banks. At the same time, we can use the business data of ship credit products to analyze the operation effect of ship credit products more deeply.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.474;F832.4

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