联系我们

论文查询结果	返回搜索

论文编号：	4878
作者编号：	2120102461
上传时间：	2012/12/14 15:26:40
中文题目：	中小企业供应链融资产品信用风险控制研究
英文题目：	Research on Credit Risk Control of Supply Chain Finance Products for SMEs
指导老师：	李亚
中文关键字：	中小企业;供应链融资;信用风险
英文关键字：	SMEs;supply chain finance;credit risk
中文摘要：	随着我国经济的快速发展，中小企业在国民经济中所发挥的作用越来越重要。由于中小企业自身的局限性，融资难成为制约中小企业发展的重要瓶颈。政府不断出台扶持政策、各种外部融资渠道被不断建立，但是这些并未完全解决中小企业融资困境，中小企业供应链融资模式正是在这种背景下建立起来的。供应链融资模式是商业银行根据供应链和中小企业的特点设计出的一种全新的金融服务方式。供应链融资产品的授信方式告别了依靠财务数据和有效押品，对融资主体进行单独授信的传统授信方式，而是通过一系列特有的风险防控措施将高风险中小企业融资项目转化为低风险供应链融资项目。供应链融资有效地弥补了商业银行和中小企业之间的信息不对称的缺陷，促进了整条供应链物流、资金流和信息流的顺畅运转，实现了商业银行和供应链核心企业、中小企业和物流企业间的合作共赢，提升了供应链的整体竞争力。本文通过供应链融资视角对中小企业供应链融资产品的信用风险防控进行研究，从供应链融资产品的特点、信用风险识别、信用风险指标评价体系建立和信用风险全流程控制四个方面入手，运用运筹学、博弈论、管理学等理论方法和手段，结合实际工作经验，对中小企业供应链融资产品信用风险控制研究进行思考和论证，为商业银行防控供应链融资信用风险提出科学的策略建议。全文共分6章：第一章为绪论，主要介绍本文的研究背景、研究内容与方法以及本文研究的意义与创新之处。第二章是供应链融资相关理论回顾，对供应链融资的定义、特点、运作的基本模式、产生的理论依据以及发展现状进行简要的介绍和分析。第三章通过比较供应链融资产品与传统授信产品的差异，分析和总结供应链融资产品所特有的信用风险要素以及当前信用风险管理存在的问题和不足。第四章运用博弈论分析问题的原因，进而对建立和完善中小企业供应链融资信用风险的识别方法和评价指标体系提出政策建议。第五章从贷前调查、贷中审批和贷后管理角度，对供应链融资信用风险控制进行全流程的方案设计和实际操作建议。第六章是案例研究，通过构建A银行办理供应链融资业务中的风险识别与控制的全过程，例证本文研究的结论措施和政策建议。
英文摘要：	With the great economic development in China, small and medium enterprises (SMEs) play an increasingly important role in the national economy. As a result of its own limitation for SMEs, financial difficulty has become a bottleneck constraining the development of SMEs. Although the supporting policies are introduced continually by the government and all kinds of external financing forms are established constantly, the difficulty of obtaining external financing for SMEs is not solved completely. Under the circumstances, the model of supply chain financing was formally established. The model of supply chain financing designed by commercial banks takes full advantage of characteristics of SMEs and the supply chain, which have becoming an new way to provide financial services. Rather than rely on SMEs’financial date and effective collaterals to focus on individual SME in one credit process, the credit means of supply chain financing products have taken a series of special risk control measures to transform one high-risk loan project into one low-risk loan project. Supply chain finance eliminates asymmetric information between banks and SMEs and is in favor of improving the liquidity of goods, capital and information in the supply chain, realizing win-win situation among banks, SMEs, core enterprises and logistics enterprises, promoting integrally competitive power of the supply chain. This paper focus on credit risk control of supply chain finance products for SMEs. This research is done from four aspects: the characteristics of supply chain finance, the credit risk identification of supply chain finance, the evaluation index system of supply chain finance and the credit risk control of supply chain finance through the whole process, using the knowledge and theories of operations research, game theory and management science and combining with practical work experience. It is necessary for us to analysis the risk and its control so as to put forward some scientific advices and solutions. This paper is divided into six chapters. The first chapter is the introduction and describes the research background, the main research contents, the research methods, the research significance and the innovation points of the paper. The second chapter is the literature review, including the concept definition, the characteristics, the operation mechanism, the theoretical foundation and the development situation of supply chain finance. The third chapter analysis and compares differences between supply chain finance products and traditional credit products to describe the credit risk’s characteristics of supply chain finance products and indicate inadequacies of the credit risk control on present. The fourth chapter discussse the credit risk identification and the evaluation index system establishment of supply chain finance. The fifth chapter illuminates the credit risk control measures of supply chain finance from perspectives of pre-loan investigation, loan approval, and post-loan management. The sixth chapter illustrates how to practice in the specific operation in the credit risk management of supply chain finance through the case of A bank and summarizes the main conclusions and policy recommendation of the paper.
查看全文：	预览  下载(下载需要进行登录)