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论文编号：	3765
作者编号：	2120092805
上传时间：	2011/11/25 18:13:22
中文题目：	华夏银行供应链金融业务信用风险控制研究
英文题目：	Research on the Credit risk control of supply chain finance business of Huaxia Bank
指导老师：	王全喜
中文关键字：	供应链金融;信用风险;事前风险识别;事中风险评估;事后风险监控
英文关键字：	Supply Chain Finance;Credit Risk;Risk Identification in Advance;Risk Assessment in the matter;Risk Control after the matter
中文摘要：	供应链金融业务作为国内银行业最重要的金融创新之一，是解决我国中小企业融资难的一大利器。长期以来，中小企业受制于自身规模的限制，在信贷市场上处于不利的地位。为了解决中小企业融资难问题，我国虽然采取了多种方式试图破解这一难题，但结果并不理想。其根本原因在于，这些措施并未解决中小企业自身的信用问题。而供应链金融业务则通过将动产质押、应收账款融资和保兑仓融资等方式，将中小企业资产中占比较大的流动资产作为信用基础，从根本上改善了中小企业的借贷能力。目前，我国中小企业约有2930万家，约占全国企业总数的99.7%，工业总产值约占全国的58%。然而，约有70%的中小企业面临融资难问题。这些企业的融资渠道单一，内部融资往往成为资金的主要来源，国有银行对中小企业的贷款比重仅占0.8%左右，这一融资缺口相当巨大。华夏银行是一家定位于服务中小企业为主的商业银行，自成立以来业务规模不断地扩大，在金融服务方面不断完善。但是，传统的信贷业务远远不能满足中小企业发展的资金需求，华夏银行推出供应链金融业务来进一步提升中小企业的借贷能力，整合供应链上的物流和资金流，取得竞争优势。 本文首先是对供应链金融业务理论和信用风险理论等相关理论进行了回顾，为后文华夏银行供应链金融业务信用风险控制模式的构建奠定理论基础。在回顾相关理论的基础上，本文分析了华夏银行供应链金融业务存在的问题，并且分析了相应的原因。结合回顾的相关理论和华夏银行供应链金融业务的实际经营状况，本文构建了华夏银行供应链金融业务信用风险控制模式，主要是包括事前风险识别、事中风险评估和事后风险监控三个方面的内容。在此基础上，本文对构建的模式进行了具体的实施，通过具体的实施，本文提出了相应的保障措施。
英文摘要：	Supply chain financial service is to solve the financing difficulties of SMEs in China, as the domestic banking sector one of the most important financial innovation. Over the years, small and medium enterprises are at a disadvantage in the credit markets because of their own size restrictions. China has taken a variety of ways trying to solve this problem, but the result is not satisfactory. The fundamental reason is that these measures did not solve the credit problems of their own SMEs. The financial supply chain can improve the borrowing capacity of SMEs, through the chattel mortgage, finance and accounts receivable financing against warehouse, etc. At present, China has about 29.3 million SMEs, accounting for 99.7% of total number of enterprises, industrial output value accounting for about 58%. However, 70% of the SMEs are facing finance problems. Internal financing is often a major source of funding because financing channels of these enterprises are single. Huaxia Bank is a service targeted at small and medium-based commercial bank. The scale of business continues to expand since its inception. At the same time, Huaxia Bank maintains good asset quality and continuous improve financial services. However, the traditional credit business is far from meeting the financial needs of SMEs. Huaxia Bank launched financial services supply chain to further enhance the borrowing capacity of SMEs, integrated supply chain logistics and cash flow, and thus expand their business space, to gain a competitive advantage. This paper is the theory of supply chain finance and credit risk theory and other related theories were reviewed, as later in Huaxia Bank credit risk management of financial supply chain model to build the theoretical basis. In reviewing the relevant theory, based on this analysis of the Chinese banking financial services supply chain problems, and analyze the corresponding reasons. With review of relevant theory and supply chain financial services Huaxia Bank's actual operating conditions, the paper supply chain to build a Chinese bank financial credit risk control mode, mainly including pre-risk identification, risk assessment and post something in the three aspects of risk control . On this basis, the paper model to build a concrete implementation through specific implementation, this paper presents the appropriate safeguards.
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