商业银行电子供应链金融与风险控制研究

发布时间：2018-03-27 13:07

本文选题：电子供应链金融　切入点：信用风险　出处：《浙江大学》2017年硕士论文

【摘要】：电子供应链融资是指商业银行依托网上银行、银企互联等电子渠道,借助核心企业信用增级,为核心企业及其供应链客户提供的集供应链管理、信息管理、融资服务、结算服务等于一体的一整套金融服务。电子供应链金融与传统银行融资业务存在区别,是一种典型的交易性融资产品,不适合用传统的信用风险识别和评估方法,他的信用风险具有自己的特点。准确有效的评估和识别信用风险时电子供应链金融运营状况和发展的关键。文本重点对电子供应链金融信用风险的评估和识别做了分析和研究。本文对电子供应链金融的概念作了定义,分析了电子供应链金融平台特点和构建情况；分析电子供应链金融信用风险的特点,通过供应链金融几种常见的融资模式的交易流程识别出电子供应链金融的信用风险点；形成适合于电子供应链金融信用风险的综合评价方法,以此来指导银行的融资决策；同时提出了适合电子供应链金融的信用风险管理建议；最后,深入剖析了工商银行在供应链金融发展过程中取得的成绩和存在不足,提出工商银行加快发展供应链金融的策略和建议。
[Abstract]:E-supply chain financing refers to the collection of supply chain management, information management and financing services provided by commercial banks to core enterprises and their supply chain customers through electronic channels such as online banking, interconnect of banks and enterprises, and credit enhancement of core enterprises. Electronic supply chain finance is different from traditional bank financing business and is a typical transactional financing product, which is not suitable for traditional credit risk identification and evaluation methods. His credit risk has its own characteristics. Accurate and effective evaluation and identification of credit risk is the key to the financial operation and development of electronic supply chain. The text focuses on the evaluation and identification of electronic supply chain financial credit risk. This paper defines the concept of electronic supply chain finance. This paper analyzes the characteristics and construction of electronic supply chain finance platform, analyzes the characteristics of electronic supply chain finance credit risk, and identifies the credit risk point of electronic supply chain finance through the transaction flow of several common financing modes. Form a comprehensive evaluation method suitable for the electronic supply chain finance credit risk to guide the bank's financing decision; at the same time, put forward the credit risk management suggestion suitable for the electronic supply chain finance; finally, This paper deeply analyzes the achievements and shortcomings of ICBC in the development of supply chain finance, and puts forward the strategies and suggestions for ICBC to speed up the development of supply chain finance.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F274;F832.33

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