联系我们

论文查询结果	返回搜索

论文编号：	6455
作者编号：	2120122980
上传时间：	2014/6/10 21:38:54
中文题目：	平安银行供应链金融业务扩展与风险控制研究
英文题目：	Ping An bank supply chain finance business expansion and risk control research
指导老师：	张金成
中文关键字：	平安银行 供应链 供应链金融 风险管理
英文关键字：	Ping An bank；Supply chain；Supply chain finance；
中文摘要：	摘要在当下经济全球化的时代，伴随着我国经济稳步发展，我国“世界制造中心”地位的巩固和庞大的内需拉动，国际化的大公司日益增长的离岸生产和业务发展外包趋势，使得供应链和分销渠道的配置呈现出“成本洼地”导向，而这些“成本洼地”往往正是经济和金融欠发过的区域，这种背景下导致了供应链上成员企业的资金流瓶颈。同时，处于供应链核心地位的核心企业利用其自身优势地位，进一步的挤压上下游企业的利润空间，如降低供货价格、最优交付款方式、延长账期等等，导致上下游中小企业的生产成本提高、资金流动差等问题，进而影响到整个供应链的稳定性和财务成本。在传统的融资模式中，由于中小企业规模的限制、信息不对称等原因，在借贷中处于不利地位，很难实现融资，政府也采取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，这些措施并没有解决中小企业自身信用的问题。为应对上述难题，一种新型融资模式——“供应链金融”迅速在在全球风靡一时，供应链金融已经成为流动资金贷款领域最重要的增长点和银行交易性业务中最有潜力的业务之一。供应链金融业务模式解决了银行在应对中小企业融资技术瓶颈的难题，同时银行也找到了开发新客户和稳定高端客户的业务渠道。2000年，平安银行（原深圳发展银行）在东南地区首次试点供应链金融业务“货押业务”，2001年下半年，在广州和佛山两家分行进行试点运行，“存货融资业务”。本文首先是对供应链、供应链金融、供应链金融风险控制相关理论的回顾，通过对平安银行（原深圳发展银行）的业务模式选择、信用风险控制方法、业务模式扩展等角度，以理论和实践调研相结合，探讨当前业务发展中存在的问题，在此基础上本文提出了相应的创新措施。
英文摘要：	In the era of economic globalization, with China's status as the "world manufacture center" to consolidate and huge domestic demand, multinational companies growing offshore production and outsourcing trend, makes the supply chain and distribution channel is showing a "low costs" guided, but these "low costs" often is the area of economic and financial unpaid, this led to the capital bottleneck of supply chain members. At the same time, the core enterprise of supply chain at the heart of the use of its advantage, further squeezing of upstream and downstream enterprises profit space, such as lower supply prices, the best delivery mode, the extension of the accounting period, etc., leading to the production cost of small and medium-sized enterprises improve the upstream and downstream, poor cash flow problems, which affect the stability of the whole supply chain and financial cost. In the traditional financing model, the restrictions of the small and medium-sized enterprises scale, the reason of information asymmetry, at a disadvantage in the borrowing, difficult financing, the government has also tried to take various measures to crack this problem, but the result is not ideal, its basic reason lies in the fact that these measures do not solve the problem of small and medium-sized enterprise own credit. In response to the above problem, a new type of financing mode, the "financial supply chain" is popular all over the world, supply chain finance working capital loans has become the most important growth point and banking business in one of the most promising business. Supply chain finance business model solves the bottleneck in response to small and medium-sized enterprise financing problem, at the same time, the bank also found the development of new customers and stable high-end customers business channel. In 2000, ping an bank (the former ShenZhen development bank) for the first time in the south-east of pilot supply chain finance business "goods and business", the second half of 2001, two in GuangZhou and FoShan branch to pilot run, "inventory financing business. This article is first to the supply chain, supply chain finance, supply chain finance risk control related theory review, by means of PingAn bank (the former ShenZhen development bank) business model selection, the credit risk control methods, such as business model extension Angle, by combining theory and practice research, as well as to explore the problems existing in the current business development, on the basis of the corresponding innovation measures are put forward in this paper.
查看全文：	预览  下载(下载需要进行登录)