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论文编号：	10465
作者编号：	2120163151
上传时间：	2018/12/6 16:10:10
中文题目：	M银行国际保理业务信用风险管理研究
英文题目：	Research On credit risk management of international factoring of M bank
指导老师：	张晓农
中文关键字：	国际保理；信用风险管理；保理商
英文关键字：	international factoring；credit risk management；factor
中文摘要：	随着中国在贸易全球化进程中所扮演的角色不断转变，中国生产和中国制造已经渗入大部分商品的全球供应链当中，成为其中重要的组成部分，这种现象所导致的一个结果就是含有中国元素的商品被输出到全球各个角落。伴随着中国国家形象的提升、在全球化制造业中分工的转变以及中国制造被逐步认可，越来越多的国家选择直接与中国企业进行贸易往来。与之而来的，就是这些企业不得不面对日益增多的贸易纠纷和贸易摩擦；为了争取更多的订单不得不放宽结算条件（原本可以采用信用证结算的业务，为了降低财务成本改为电汇）；为了拓展市场在新的国家、新的区域与新的买家展开合作。面对这些不确定性，国际保理产品应运而生并得到了长足发展。 保理商在为出口商提供融资支持的同时，从客户的基础交易出发，为其提供咨询和管理服务，并通过境外的保理商协助调查其国家风险、地域特色以及进口商资信。如果境外的保理商可以为进口商承担买方付款风险担保，还能在一定程度上缓释出口商的收款风险。虽然国际保理的优点很多，极具发展潜力。但在中国近十年保理产业大发展的环境下，国际保理还是没能得到快速发展，其中一个重要原因就是保理商缺少一套有针对性的信用风险管理方法。本文试图从M银行国际保理业务信用风险管理的现状进行分析，找到提升和优化的方法，并设计出实施方案。从而让国内的保理商和保理从业者从另一个角度来思考如何做好国际保理产品的信用风险管理，从而为推动国际保理业务的发展做出一点点贡献。 本文分为六个部分 第一章，绪论。作为本文的引言部分，阐述了本文立意的背景和意义，对现实工作的指导性作用。介绍了文章的架构和章节内容，以及在研究过程中所采用的方法。 第二章，相关理论及文献概述。首先，对本文研究的主要内容进行了详细界定，如国际保理的定义及种类等。其次，对商业保理和银行保理进行了区分。再次，对风险管理的相关理论进行了介绍，最后，对信用风险管理的相关文献做了介绍。 第三章，M银行国际保理业务发展现状和问题分析。本章是此次研究的重点，全面介绍了M银行国际保理业务发展现状。首先，介绍了M银行的背景和业务发展情况、国际保理业务发展情况。其次，分析了M银行国际保理业务信用风险管理的现状。最后，分析了其信用风险管理所遇到的问题。 第四章，优化方案设计。针对M银行目前信用风险管理存在的问题，提出如何在风险管理理念、组织架构、风险审查手段、科技技术应用以及信用保险组合等方面进行完善。 第五章，具体实施方案。主要分为专业团队的组建和全面风险审查的实施两个部分。在风险审查实施中分为贷前、贷中和贷后三个部分进行具体的业务落地，同时结合M银行科技技术使用情况制定了线上化客户准入和风险审批的信用风险审查流程。
英文摘要：	With the changing role of China in the process of trade globalization, Chinese production and manufacturing have penetrated into the global supply chain of most commodities and become an important part of it. One result of this phenomenon is that commodities containing Chinese elements are exported to all corners of the world. With the promotion of China's national image, the shift in the division of labor in the global manufacturing industry and the gradual recognition of manufacturing in China, more and more countries choose to trade directly with Chinese enterprises. With it, these enterprises have to face increasing trade disputes and frictions; to win more orders, they have to relax the terms of settlement (which could have been settled by letter of credit in order to reduce financial costs to be converted to wire transfers); and to expand the market in new countries, new regions and new ones. Buyers cooperate. Faced with these uncertainties, international factoring products came into being and made great progress. While providing financing support for exporters, factoring provides consulting and management services to clients on the basis of their basic transactions, and assists them in investigating their national risks, geographical characteristics and Importers'credit through overseas factoring. If foreign factories can guarantee the buyer's payment risk for the importer, they can also mitigate the risk of the exporter's collection to a certain extent. Although international factoring has many advantages, it has great potential for development. However, in the context of the great development of factoring industry in China in the past decade, international factoring has not been able to develop rapidly. One of the important reasons is that factoring companies lack a set of targeted credit risk management methods. This paper tries to analyze the status quo of credit risk management of M bank's international factoring business, find out the methods to improve and optimize, and design the implementation scheme. So that domestic factoring operators and factoring practitioners from another point of view to think about how to do a good job of international factoring product credit risk management, so as to promote the development of international factoring business to make a little contribution. This article is divided into six parts. The first chapter is introduction. As the introduction part of this paper, it expounds the background and significance of this paper's intention and its guiding role to the practical work. The article introduces the structure and contents of the article, as well as the methods used in the research process. The second chapter, related theories and literature summary. Firstly, the main contents of this paper are defined in detail, such as the definition and types of international factoring. Secondly, it distinguishes commercial factoring from bank factoring. Thirdly, it introduces the related theories of risk management. Finally, it introduces the relevant literature of credit risk management. The third chapter, M bank international factoring business development status and problem analysis. This chapter is the focus of this study. It introduces the development status of M bank's international factoring business. First, it introduces the background and business development of M bank, and the development of international factoring business. Secondly, it analyzes the current situation of M bank's international factoring business credit risk management. Finally, it analyzes the problems encountered in its credit risk management. The fourth chapter is the optimization design. In view of the existing problems of M Bank's credit risk management, this paper puts forward how to improve the risk management concept, organizational structure, risk review means, technology and application, and credit insurance portfolio. The fifth chapter, the specific implementation plan. It is mainly divided into two parts: the establishment of professional team and the implementation of comprehensive risk review. In the implementation of risk review, it is divided into three parts: pre-loan, loan and post-loan to carry out specific business landing. At the same time, the credit risk review process of online customer access and risk approval is formulated according to the use of technology of Bank M.
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