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论文编号：	8114
作者编号：	2220140659
上传时间：	2016/5/19 12:56:58
中文题目：	MH公司基于供应链的商业保理业务风险管理研究
英文题目：	Research on the risk management of MH company based on supply chain of commercial factoring
指导老师：	黄福广
中文关键字：	商业保理 供应链金融 风险管理
英文关键字：	Commercial factoring；Supply chain finance；risk management
中文摘要：	受到近年来国际间各经济体发展速度放缓，中国经济下行压力加大的影响，国内外市场供给过剩，买方市场占据主导地位，赊销成为企业间的主要结算方式。据国家统计局数据显示，截止2014年末，全国规模以上工业企业应收账款总额达105168亿元。由于保理业务具有应收账款融资、销售分户账管理、买方（债务人）付款信用保证、应收账款管理与追收的服务功能，其在帮助中小企业加快应收账款回笼、转移交易风险中发挥了重要作用。保理是典型的逆经济周期行业。经济发展的不景气促使更多的下游企业不能及时支付对价款，造成账期延长，使上游企业的应收账款增加，资金周转紧张。在经济下行期，银行等传统金融机构普遍采取紧缩信贷政策，使中小企业融资更加困难，这给商业保理机构带来无限商机。使越来越多的非银行机构进入到保理行业。 MY集团是大连市一家成立近20年的民营企业，主营业务为成品油与燃料油终端配送、石油化工、精细化工等，拥有万吨级液体化工品码头和罐区。经过多年耕耘，MY集团已在东北地区民营石油化工行业中占有重要的一席之地。但随着近年来化工行业产能过胜、原油价格波动、财务成本高、利润率低等原因，集团的发展受到影响，一直在寻找转型机会进入金融领域。正是看好保理行业这一商机，MY集团于2015年10月成立了MH商业保理公司。 因MH商业保理公司尚处于初创期，相关的业务模式及风险控制体系还在制定和试行中，本文通过对MH公司开展商业保理业务的风险管理研究，旨在梳理出一套适合MH公司今后业务开展过程中风险管理的理论指导方法，通过建立有效的风险事前防范、事中评估、事后监控管理机制，加强保理业务风险的合法防范和合理规避，更高效地利用信用资源，保证业务回款的及时和完整。使MH公司在激烈的市场竞争环境下稳步发展。
英文摘要：	In recent years the international economy body slowdown in the pace of development, the impact of China's economic downward pressure, excess supply the domestic and foreign markets, occupy the leading position in the buyer's market, credit to become the main way of settlement between enterprises. According to the National Bureau of statistics data show that by the end of 2014, the national scale industrial enterprises accounts receivable amounted to 105168 yuan. Due to the factoring accounts receivable financing, sales ledger management, the buyer (debtor) payment credit guarantee, accounts receivable management and debt collection receivables services, to help small and medium enterprises to accelerate should be accounts receivable returns and transfer play an important role in the transaction risk. Factoring is the inverse of the economic cycle industry typical. The development of the economic downturn prompted more downstream enterprises can not be timely payment of the price, which accounts for extended periods to increase in accounts receivable of upstream enterprises, tight liquidity. In the economic downturn, banks and other traditional financial institutions generally adopt a tightening of credit policy, so that the financing of small and medium enterprises more difficult, which gives commercial factoring institutions to bring unlimited business opportunities. So that more and more non bank institutions to enter the factoring industry. My group is Dalian city founded nearly 20 years of private enterprises, the main business for refined oil and fuel oil terminal distribution, petroleum chemical industry, fine chemical industry, etc., with 10000 ton liquid chemical jetty and tank farm. After many years of hard work, MY group has an important place in the northeast region of private petrochemical industry. But in recent years with the chemical industry capacity wins, fluctuations in crude oil prices, high financial cost, low profit margins, the development of the group affected, always looking for opportunities to enter the field of financial transformation. It is about the factoring industry of this business, MY group established MH commercial factoring companies in October 2015. Because the MH commercial factoring companies is still in the initial stage, the business model and risk control system is still in the development and piloting, the MH company to carry out research on the risk management of the commercial factoring, in combing out a suitable for MH company's future business development in the process of risk management of theoretical guidance method, through the establishment of effective risk precautions, evaluate things and afterwards monitor management mechanism, strengthen risk of factoring business of legal prevention and reasonable measures to avoid and more efficiently use credit resources, guarantee business payment timely and complete. The MH company develop steadily in the fierce market competition environment.
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