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论文编号：	5645
作者编号：	2220110576
上传时间：	2013/11/27 15:40:58
中文题目：	商业银行供应链融资模式与风险管理研究
英文题目：	Study on Supply Chain Financing Mode and Risk Management of Commercial Bank
指导老师：	张玉利
中文关键字：	中小企业，供应链融资，融资模式
英文关键字：	SMEs, Supply Chain Finance, Finance Mode
中文摘要：	供应链融资是国际性银行2007年度流动资金贷款领域最为重要的业务增长点，在肇始于次贷问题的金融危机中，供应链融资在西方商业银行业信贷规模紧缩的大背景下仍然一枝独秀，高速增长。与此同时，随着我国经济的持续稳定发展，我国中小企业在市场流动领域逐渐成为市场经济的重要组成部分。然而，目前我国国内中小企业发展现状为其企业实力普遍较弱，中小企业信用体系尚未建立，中小企业还款能力没有统一的判断标准，因此中小企业融资成为难题，也造成了我国银行授信在规模、投向上的发展不平衡性。供应链融资在各不同行业的供应链上得以延伸，解决了商业银行和中小企业之间的供需难题，因而逐渐受到企业、银行乃至学术界的重视，探索出一条银企双赢的融资模式。这种融资模式正是突出强调与中小企业处在同一条供应链上下游间的大型企业的信用能力，以及第三方专业物流监管企业的共同参与，不仅解决了中小企业作为弱势一方的融资难题，并使整条供应链的资金配置达到均衡，增强了整个产业链的整体竞争力。同时，商业银行在大力发展供应链融资业务的过程中，由于对其中的风险缺乏深刻认识，还未形成一套科学的管理方法，一旦所涉及的宏观经济形势出现较大幅度的波动、市场价格出现持续性下跌，势必会给银行带来系统性损失，严重影响商业银行的开展此项业务的积极性，并且直接影响中小企业的融资环境。因此本文除了系统性的对融资模式进行了理论研究，并结合国内实际业务进行分析外，指出了供应链融资发展中出现的风险问题，并针对问题给出了相关风险管理的建议。 全文从结构上分为五章。第一章，阐述了选题背景和研究意义，并介绍了研究方法和研究思路，本文力求在在前人研究的基础上，对供应链融资业务模式作出系统性研究，并结合实际应用情况进一步揭示如何做好供应链融资业务的风险管理；第二章，从理论角度介绍了供应链融资的含义、供应链融资对银行、供应链上下游的影响和作用，以及供应链融资各相关参与方的定义；第三章，是本文的核心章节，首先，从理论角度介绍了供应链融资的四种融资模式，其次针对四种融资模式分别阐述了商业银行对融资相关参与方选择的依据，之后结合实际案例，对四种融资模式的实际应用进行了分析，分别从案例背景、企业需求分析、融资方案以及风险点探讨四个方面进行分析，并重点分析了模式风险点和控制措施，最后提出了业务发展中遇到的风险问题；第四章，针对业务发展中遇到的风险风险问题，给出了一些风险管理的建议，主要从管理方式和风险应对的角度进行阐述；第五章，对本文研究作出总结并对进一步研究作出展望。 本文属于对供应链融资模式的应用性研究，研究的内容具有创新性和实践性。本文在理论研究供应链融资模式的基础上，创新性的结合近年来市场发展中的案例进行分析，并在实际案例分析中指出了模式风险点以及规避措施；同时，本文还探讨了“标准化管理”、“集中操作平台建立”、“风险预警”等实用性的风险控制手段，希望本文的研究能为发展中的供应链金融服务提供切实保障。
英文摘要：	In 2007, the liquidity loans in supply chain finance was the most important growth point, and also in the finance crisis, which began with the subprime loans, all western commercial banks took tight credit policies, but the supply chain finance outshone. Meanwhile, as our economy develops steadily, small and medium-size enterprises play more and more important roles in the market. However, these enterprises have a small probability of successin financing, led by the following reasons: weak competitive of enterprises; no establishment of the credit system of these enterprises; no unified comparison of reimbursement capacity among these enterprises. In this situation, commercial banks have little willingness to satisfy their financing needs, which leads to the imbalance of bank credit scale and trend. Supply chain finance solves the need-supply problem between commercial banks and small and medium size enterprises (SMEs), and explores a win-win financing mode. Along with the emphasis of strong credit of core enterprises in the same industry chain with SMEs, and the participation of third-party professional logistics and escort companies, this kind of financing pattern avoids the weakness of SMEs and solves the problem, balancing the capital distribution of the whole supple chain and strengthening the overall competitive. Yet, during the strong promotion of this new business by commercial banks, they haven’t gotten the ability and experience to recognize and estimate the endogenous risk and establish a series of scientific and efficient risk management method, which means that banks would suffer from system loss caused by the big fluctuation of macro-economy or the sustained drop of market. It will directly depress the initiative of banks and worsen the financingenvironment of SMEs. This articlesystematically make a research on the supply chain financing mode, and combine with case analysis, point out some problems in the developing process, and then give some suggestions about the risk problems. This article is made up of five chapters. The first chapter,introduces the background and the significance of the article while briefly describes the research method. This article focus on the research about financing mode, based on the research of predecessors. The second chapter, from the theoretical perspective, introduces the connotation and the function of supply chain finance, states the influences of supply chain finance on banks and other participations, and also describes the definition of the related parties. The third chapter, the core chapter of this article, systematically introduces four kinds of financing mode in the supply chain finance field, analyzes the four kinds of mode combined with case analysis, and then points out some problems in the developing process. The fourth chapter,gives some suggestions about the risk problems in the developing process, mostly from the perspective of management method and risk response. The last chapter makes the conclusion and provides some thinking of further study of supply chain finance. The research of this article is innovative and practical in the field of supply chain finance pattern. In this paper, based on thetheoretical research of supply chain finance mode, innovatively combinerecent case analysis in the development of the market, points out the risk problems and gives some suggestions; At the same time, this article also discusses the centralized operation platform, standardized management to establish risk early warning and other practical means of risk management.Finally, this research can provide some thoughtful suggestions towards operating process of supply chain finance service for commercial banks.
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