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论文编号：	6853
作者编号：	2120122897
上传时间：	2014/12/7 20:44:56
中文题目：	Z银行应收账款融资的应用研究
英文题目：	Z Bank’s Accounts Receivable Finance Application Research
指导老师：	贲圣林；薛有志
中文关键字：	应收账款融资；风险；医疗行业；供应链
英文关键字：	Accounts receivable finance；Risk；Medical industry；Supply chain
中文摘要：	在传统的融资模式下，上游中小型供应商相较核心企业，谈判地位处于劣势，面临原材料采购资金短缺，融资困难，应收账款回收慢的窘境，从而很难扩大产能，制约了企业的发展。如何利用中小企业应收账款模式进行银行融资，提高融资利用率，促进整体供应链良性发展，是企业与金融机构面临的共同课题。 本文以贸易金融以及应收账款融资的起源及发展为出发点，首先介绍了应收账款融资的特征，应收账款质押及转让所涉及的相关法律问题。其次，对我国商业银行开展应收账款融资的情况进行了分析，包括全球及我国保理市场的数据分析，我国主要商业银行的应收账款融资产品介绍及其发展特点，同时，对我国主要商业银行开展应收账款融资所面临的信用风险、操作风险及市场风险进行了详细阐释。第三，详细介绍了Z银行贸易金融以及应收账款融资业务开展的现状，并就相关数据以及部分产品流程进行了详细介绍，进而，对该银行着力开展应收账款融资业务进行了SWOT分析。第四，以我国医疗行业为背景，详细阐释了该行业的现状、趋势、特征以及政策，结合Z银行对医疗行业内企业融资为案例，详细分析介绍了通过应收账款融资的应用，以及Z银行如何解决医疗行业中不同环节的融资难题，反映了应收账款融资的竞争能力和应用价值。最后，分析了我国商业银行未来应收账款融资的发展趋势，涵盖了应收账款与互联网金融的结合与互动，商业银行与商业保理公司的差异化发展道路及其合作共赢，以及应收账款融资资产的证券化的发展方向。 随着商业银行之间竞争的不断激烈，金融产品的不断创新，应收账款融资产品越来越受到各家商业银行的重视，通过对贸易链条上下游信息流、物流和资金流的掌控，可以较好的把握信贷风险，最终实现供应链、核心企业、银行以及其他参与方实现多方共赢的局面。
英文摘要：	In the traditional financing mode, small upstream suppliers is at a disadvantage in the status of negotiations with the core enterprise, facing the shortage of procurement of raw materials funds, difficulties in financing, predicament of too many days to collect account receivable, thus it is very difficult to expand production capacity, restricting the evelopment of enterprises. How to make use of the small and medium enterprise accounts receivable financing mode, improve the utilization rate, promote the benign development of the whole supply chain, is a common task of enterprises and financial institutions. In this paper, to the origin and development of accounts receivable financing is as the starting point, firstly introduces characteristics of accounts receivable financing, the related legal problems of the pledge and the transfer of account receivable involved. Secondly, introduces the present situation of the accounts receivable financing in commercial banks in China, including the current situation of factoring in China and world market, the accounts receivable financing products and the main risks faced by accounts receivable financing in the major commercial banks in China. Third, introduces in detail the accounts receivable financing business of Z Bank, and conduct the SWOT analysis to the development of accounts receivable financing business. In fourth, medical industry in China as an example, combined with the Z Bank financing of enterprises of the medical industry, analyzes and introduces the application of accounts receivable financing , Z Bank how to solve the problem of medical industry in different links with accounts receivable financing, reflects the competition ability and Application value. Finally, the future development trend analysis of accounts receivable financing of commercial banks in China, covering the accounts receivable be applied in Internet Finance,cooperation between commercial bank and commercial factoring companies and the accounts receivable financing asset securitization. With the competition between commercial banks becomes increasingly intense, continuous innovation of financial products, accounts receivable financing products attract more and more commercial banks attention. with the control of the trade chain information flow, logistics and cash flow, commercial banks will be better manage and control the credit risk. At last, supply chain, the core enterprise, commercial bank and other participation will achieve the win-win situation.
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