联系我们

论文查询结果	返回搜索

论文编号：	3516
作者编号：	2120092422
上传时间：	2011/6/20 22:16:00
中文题目：	商业银行供应链融资业务风险管理研究
英文题目：	The Risk Management Research of Supply Chain Finance Business from the View of Commercial Bank
指导老师：	戚安邦
中文关键字：	商业银行 供应链融资 风险识别 风险控制 风险管理
英文关键字：	commercial bank；Supply Chain Finance；risk identification；risk control；risk management
中文摘要：	供应链金融是在经济全球化和分工专业化的大背景下应运而生的，为中小企业开辟了新的融资渠道，有效解决了其融资难的问题。供应链金融与传统信贷模式的操作流程和风险评价方法都有很大的区别，其特点是根据供应链融资的自偿性特点，将供应链整体作为授信基础。在风险评价和风险控制时不仅仅考虑到企业的财务报表和经营状况，而且非常关注企业的历史交易记录、供应链运营状况、交易对手资信状况等，将主体评级与债项评级结合起来，并适当提高债项评级的比重。这些做法都有利于对融资企业的风险等级做出更为科学、客观、准确的评价。供应链融资业务的开展不仅给中小企业融资带来了便利，也给商业银行带来了新的利润增长点，同时提高了物流行业的服务水平，形成了多方主体参与下的共生模式和多赢局面。 国外供应链金融产生较早，发展也比较成熟，但是国内供应链金融刚刚起步，相关法律制度和环境并不完善，作为一个新兴事物，在其发展过程中也必然会遇阻碍和问题。从商业银行的角度而言，基于供应链的融资业务具有跨行业、跨领域的特点，所以风险管理成为商业银行开展供应链融资业务的核心问题。 本文从商业银行的角度出发，主要综合应用了文献研究法、定量与定性分析相结合方法、案例研究法等，将供应链融资业务实际操作与风险管理理论相结合。首先对供应链融资模式做了独特性分析，总结了其风险特征，在此基础上严格按照风险管理程序和方法，对信用风险、操作风险、市场风险及法律风险四个方面进行识别、度量，构建了商业银行供应链融资业务的风险评价体系，并提出了风险应对和控制措施，为商业银行供应链融资业务的风险管理提供了借鉴。
英文摘要：	Supply Chain Finance emerges as the times require, under the background of economic globalization and specialization, and it provides a new financing channel to the small and medium-sized enterprises, solving their problem of loan. Both in operation procedure and risk assessment method, there are many differences between supply chain finance and traditional credit mode，the characteristic of Supply Chain Finance is trade self-liquidating and it takes the whole supply chain as the credit object. In the risk assessment and risk control process, Supply Chain Finance not only consider the financial statements and state of operation, but also focus on historical transaction records, supply chain operation condition and the credit status of counterparty and so on. Supply Chain Finance combines the corporate credit rating with debt rating, and raises the proportion of debt rating. Above practices are in favor of evaluating the financing enterprises’ risk rating scientifically, objectively and accurately. Supply Chain Finance not only brings convenience to the financing of small and medium-sized enterprises, but also creates a new profit growth point to the commercial bank, and improves service level of logistics industry. Many parties participate in the financing mode and obtain common interest. Supply Chain Finance emerges earlier in western countries, and it has entered into a relatively full-blown stage, but it has just started in China and the relative legal system and environment are deficient. As a newborn thing, Supply Chain Finance will be faced with many obstacles and problems during its development. In terms of commercial bank, Supply Chain Finance is cross-sectoral and interdisciplinary, so the risk management comes to be a core problem of supply chain financing business of commercial bank. The paper mainly applies literature research method, quantitative analysis and qualitative analysis methods, case method and so on, combining the practical operation of Supply Chain Finance business with the risk management procedure from the view of commercial bank. At first, this paper presents the uniqueness analysis of Supply Chain Finance business, summarizing its risk characteristics. Then, the paper identify, measure the credit risk, operation risk, market risk and legal risk in strict accordance with risk management procedure and method, structuring a risk evaluation system of Supply Chain Finance business. At last, the paper proposes some risk response and risk control measures, providing reference for the risk management of commercial bank’s Supply Chain Finance business.
查看全文：	预览  下载(下载需要进行登录)