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论文编号：	11496
作者编号：	2320170328
上传时间：	2019/12/19 8:33:57
中文题目：	招商银行保理业务风险防范研究
英文题目：	Research On Risk Prevention Of China Merchants Bank’s Factoring Business
指导老师：	苏东海
中文关键字：	商业保理；风险防范；招商银行
英文关键字：	Commercial Factoring；Risk prevention；China Merchants Bank
中文摘要：	中小企业融资困难一直是社会关注的焦点问题，保理业务作为一种能够解决中小企业融资的产品之一，由于其将融资风险部分转移到了买方企业（债务人）身上，因此增加了中小企业融资的可操作性。但商业银行保理业务作为一种收益高风险大的业务品种，它的风险防范也一直是商业银行的重点关注点之一。因此，本文通过对招商银行商业保理业务的研究，从应收账款审查、保理业务受理的基本要求、融资款发放后的检查与业务管理以及付款代理业务中的风险防范等四个方面探讨了招商银行的保理业务风险防范。本文对招商银行国内保理业务的风险管理改进对策提出了以下几点建议：包括对招商银行风险审查要点的建议、所受让的应收账款无效的几种情形、招商银行保理业务的全流程风险防范以及配合相关部门建立商业保理行业监管体系并最终得出结论。本文研究的创新点主要有两个方面，第一是将理论研究与实际相结合，即将对国内商业银行保理业务的风险防范与招商银行保理业务实际中的风险防范相结合，同时通过介绍发票云平台以及严格回款路径这两种招商银行应对保理业务中风险的方法给其他商业银行保理业务的风险防范提出示范性的对策。第二是创新了国内商业银行保理业务的防范措施，如配合相关管理部门建立国内商业银行保理行业监管体系等。
英文摘要：	The financing difficulty of small and medium-sized enterprises has always been the focus of social attention. As one of the products that can solve the financing of small and medium-sized enterprises, factoring business has increased the operability of financing of small and medium-sized enterprises because it transfers the financing risk to the buyer's enterprise (debtor). However, as a kind of high-yield and high-risk business, the risk prevention of commercial bank's factoring business has always been one of the key concerns of commercial banks. Therefore, through the study of commercial factoring business of China Merchants Bank, this paper discusses the risk prevention of factoring business of China Merchants Bank from four aspects: the review of accounts receivable, the basic requirements of factoring business acceptance, the inspection and business management after the issuance of financing funds, and the risk prevention in payment agency business. This paper puts forward the following suggestions for improving the risk management of China Merchants Bank's domestic factoring business: including suggestions on the key points of risk review of China Merchants Bank, several situations of invalid receivables, risk prevention of the whole process of China Merchants Bank's factoring business, and the establishment of the supervision system of commercial factoring industry with relevant departments and the final conclusion. The innovation of this paper mainly includes two aspects. The first is to combine the theoretical research with the practice, that is, to combine the risk prevention of domestic commercial banks' factoring business with the risk prevention of China Merchants Bank's factoring business. At the same time, through the introduction of invoice cloud platform and strict payment collection path, the two ways of China Merchants Bank to deal with the risk in factoring business, to protect other commercial banks Put forward exemplary countermeasures for risk prevention of business management. The second is to innovate the preventive measures of domestic commercial banks' factoring business, such as cooperating with relevant management departments to establish the regulatory system of domestic commercial banks' factoring industry.
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