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论文编号：	15585
作者编号：	2320213495
上传时间：	2025/12/6 19:35:22
中文题目：	RH商业保理公司业务发展优化研究
英文题目：	Research on Optimizing the Business Development of RH Commercial Factoring Companies
指导老师：	齐岳
中文关键字：	商业保理；业务发展优化；风险信用资产；融资渠道
英文关键字：	Commercial Factoring；Business Development Optimization；Credit Risk Assets；Financing Channels
中文摘要：	本文以RH 商业保理公司为研究对象，在明确商业保理概念、功能及分类 的基础上，以贸易信用理论、信息不对称理论、风险分散理论、金融创新理论 及产业融合理论为支撑，通过文献研究法、案例分析法、归纳与演绎法，系统 梳理公司业务发展现状与风险信用资产特征。 研究发现，RH 商业保理公司当前核心业务聚焦大宗贸易供应链保理与建工 单位应收账款出表保理，虽风险信用资产相关指标符合监管要求，但业务发展 存在四大核心问题：一是保理产品种类集中化，缺乏跨境贸易、绿色产业、中 小微企业专属产品，且功能固化；二是融资渠道狭窄，过度依赖银行授信，资 产证券化、资产管理公司合作等渠道未有效打通，资金链脆弱性高；三是信用 风险资产管理能力不足，客户与债务人集中度过高、应收账款催收流程不规范、 风险转嫁机制缺失；四是团队能力与业务需求脱节，具备细分行业从业经验的 人员稀缺，风控与法律合规人才占比低。 深入剖析问题根因，主要在于公司产品更新能力较弱、风险管理制度不完 善、人才配置不均衡。针对上述问题，本文从四大维度设计业务发展优化方案： 在保理产品优化方面，构建差异化产品体系，建立动态迭代机制，嵌入场景化 功能；在融资渠道优化方面，拓展“银行+ 非银金融+ 资本市场” 多元渠 道，创新合作模式，通过分层核算与动态调整控制资金成本；在信用风险管理 优化方面，构建全流程风控闭环，细化行业专属评估指标，升级动态合规管理 体系；在人员配置结构性优化方面，推动业务团队按“行业+ 区域+ 客户分 层” 专业化分工，强化风控团队分层培养，促进业务与风控团队深度融合。 为保障优化方案落地，本文进一步从组织、制度、资源三个层面提出实施 保障措施：组织层面设立专项领导小组，组建专业化执行团队；制度层面制定 标准化流程；资源层面设立专项优化资金，强化数字化系统支撑，并建立动态 调整机制。 RH 商业保理公司作为民营保理企业的典型样本，本研究可为同类企业破解 发展难题提供可落地的操作方案，助力行业转型，同时补充相关理论维度，为 商业保理行业理论体系完善提供实证支撑。 关键词：商业保理；业务发展优化；风险信用资产；融资渠道；
英文摘要：	Commercial factoring is a comprehensive financial solution that provides financing, credit risk management, accounts receivable collection and management for suppliers and financial factors based on factoring agreements. It plays a crucial role in alleviating corporate capital pressure and stabilizing the operation of supply chains. Affected by the epidemic and external environment, China's domestic economy has led the commercial factoring industry to not only embrace opportunities for demand growth in fields such as construction engineering and bulk trade, but also face challenges including tightened supervision, imbalanced costs and benefits, and conflicts in customer needs. As a typical representative of private commercial factoring enterprises, RH Commercial Factoring Company has served a number of enterprises in the upstream and downstream of industrial chains as well as central and state-owned enterprises since its establishment. While its business scale and profitability have steadily improved, prominent problems have emerged in its business development, requiring systematic optimization. Taking RH Commercial Factoring Company as the research object, this paper, on the basis of clarifying the concept, functions and classification of commercial factoring, and supported by theories including trade credit theory, information asymmetry theory, risk diversification theory, financial innovation theory and industrial integration theory, systematically sorts out the company's business development status and the characteristics of credit risk assets by adopting literature research method, case analysis method, induction and deduction method. The study finds that RH Commercial Factoring Company currently focuses its core business on bulk trade supply chain factoring and accounts receivable off-balance-sheet factoring for construction engineering units. Although the indicators related to credit risk assets meet regulatory requirements, there are four core problems in its business development: first, the types of factoring products are concentrated, lacking exclusive products for cross-border trade, green industries and small, medium and micro enterprises (SMEs), with rigid functions that fail to meet the composite needs of Abstract III "financing + risk hedging"; second, the financing channels are narrow, over-reliant on bank credit lines, and channels such as asset securitization (ABS), re-factoring and cooperation with asset management companies (AMCs) have not been effectively developed, resulting in high vulnerability of the capital chain; third, the capacity for credit risk asset management is insufficient, with high concentration of customers and debtors, non-standard accounts receivable collection processes, and lack of risk transfer mechanisms; fourth, the team capabilities are disconnected from business needs, with a shortage of personnel with experience in segmented industries, a low proportion of risk control and legal compliance talents, and a training system that focuses on theoretical explanation and lacks practical scenario drills. An in-depth analysis of the root causes of these problems shows that they mainly lie in the company's weak product update capability, imperfect risk management system, and unbalanced talent allocation. To address the above issues, this paper designs a business development optimization plan from four dimensions: in terms of factoring product optimization, it builds a differentiated product system, establishes a dynamic iteration mechanism, and embeds scenario-specific functions; in terms of financing channel optimization, it expands diversified channels covering "banks + non-bank financial institutions + capital markets", innovates cooperation models, and controls capital costs through hierarchical accounting and dynamic adjustment; in terms of credit risk management optimization, it constructs a full-process risk control closed loop, refines industry-specific evaluation indicators, and upgrades the dynamic compliance management system; in terms of structural optimization of personnel allocation, it promotes the professional division of business teams based on "industry + region + customer stratification", strengthens the hierarchical training of risk control teams, and promotes in-depth integration between business and risk control teams. To ensure the implementation of the optimization plan, this paper further proposes implementation guarantee measures from three aspects: organization, system and resources. At the organizational level, a special leading group is established and professional implementation teams are formed; at the system level, standardized processes are formulated; at the resource level, special optimization Abstract IV funds are set up, digital system support is strengthened, and a dynamic adjustment mechanism is established. As a typical sample of private factoring enterprises, RH Commercial Factoring Company enables this study to provide actionable operational plans for similar enterprises to solve development problems, facilitate the industry's transformation, while supplementing relevant theoretical dimensions and offering empirical support for the improvement of the theoretical system in the commercial factoring industry. Key Words: Commercial Factoring；Business Development Optimization；Credit Risk Assets；Financing Channels
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