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论文编号：	2370
作者编号：	2120082202
上传时间：	2010/6/9 14:45:09
中文题目：	商业银行基于供应链融资风险识别方法和过程的研究
英文题目：	Research on Method and Process of Risk Identification Based on Supply Chain Finance for Commercial Bank
指导老师：	戚安邦
中文关键字：	商业银行，基于供应链融资，风险识别
英文关键字：	Commercial Bank， Supply Chain Finance， Risk Identification
中文摘要：	近年来，国内外商业银行广泛关注着基于供应链的融资业务。当前，我国的产业经济结构已经从企业之间的竞争模式向供应链之间的竞争模式转型，如何保证整条供应链上资金流的稳定充足已经成为企业、商业银行等相关利益主体关注的重点。 由于信息不对称及中小企业的高倒闭率和高违约率等原因，造成了中小企业在融资方面的困难。商业银行基于供应链融资业务的推出为供应链上下游中小企业提供了解决资金困难的新途径，提升了整条供应链竞争力，也为其自身拓宽了市场、增加了盈利。对于商业银行而言，基于供应链融资不同于传统的信贷业务，有着自身独特的融资模式和风险管理方式。不可忽略的是，基于供应链融资业务产生的时间并不长，理论基础也并不丰富，这就意味着在实际管理方面还存在着很多问题和缺陷。同时，商业银行也应该认识到，基于供应链融资的管理问题核心仍然是风险管理，而风险识别则是风险管理的基础环节。因此，发展和完善基于供应链融资风险识别的理论就成为了商业银行扩大发展供应链融资业务重要的前提之一。 本文研究了基于供应链融资的内涵、相关发展和融资模式等，从项目风险管理的角度分析了商业银行基于供应链融资项目中的各种风险，重点对基于供应链融资风险的识别进行深入研究。通过文献归纳总结和案例分析的方法，推导并总结出商业银行基于供应链融资的风险识别的理论基础、方法及过程模式，识别出商业银行基于供应链融资具体模式下的一般风险，并对识别出的结果进行分析。通过实际案例的分析，探讨商业银行基于供应链融资风险识别的理论方法、过程的可行性和有效性,为商业银行发展基于供应链融资业务提供了风险管理的基础保障，从而为降低了商业银行的经营风险，并推动企业、银行及供应链互利共存模式的构建。
英文摘要：	In recent years, the domestic and foreign Commercial bank paid attention on the Supply Chain Finance (SCF) widely. Presently, the industrial economic structure has already transformed from the competitive model between the enterprises to the model between the supply chains. The enterprises, the Commercial bank and other stakeholders keep the watchful eyes of the key point that how to guarantee that the fund flow of the whole supply chain will be stable and sufficient. Because of the information asymmetry and the high of mortality rates and default probability of medium and small-sized enterprises (MSE), the MSE have been confronted with the difficuty of financing. The Commercial bank provide SCF for MSE who are on the upstream and downstream of the supply chain, which solve the MSE’s difficulty of financing,promoting the competitive power copetitive of the whole supply chain, broadening the market for Commercial bank herself,and increasing the income. To the Commercial bank, the SCF is different from the traditional credit and has the distinct financing mode and the risk management practices. But it is not without significance that the SFC is very short since SCF was put forward and the basic theory is not plentiful, which means that there are many problems and defects in the actual management.At the same time, the Commercial bank should also realize that the core of SCF management is the risk management which the foundation is the risk identification. Therefore, to develop and perfect the risk identification theory of SCF has been one of the important premises that Commercial bank expands the SCF business. Besides studying the connotation, the correlation development and financing modes of SCF, from the standpoint of Project Risk Management, the thesis has analyzed risk in SCF to the Commercial bank, and pay attention to analyze the risk identification of SCF.Base on the methods that are the literature method and summarization and the theoretical analysis and practical investigation, the thesis deduced and concluded the a set of basic theory, methods and process model of SCF for the Commercial bank, and distinguished the general risks of SCF during the specific modalities and analysized them.Conbinded the actual case analysis, the thesis discussed the feasibility and the validity of basic theory, technique, methods and process model of SCF for the Commercial bank, providing the foundational guarantee of risk management for SCF of the Commercial bank, and then reduced the Commercial bank's operational risk and promoted the construction of the mode of mutually beneficial and concomitant win-win which includes enterprises, Commercial bank, and the supply chain.
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