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论文编号：	8971
作者编号：	2120142662
上传时间：	2016/12/13 9:39:36
中文题目：	基于供应链金融模式的建设银行E贷款产品风险研究
英文题目：	Research on the Risk of Construction Bank E - loan Products Based on Supply Chain Finance
指导老师：	张晓农
中文关键字：	供应链金融，信贷风险，建设银行，E贷款，W电商平台
英文关键字：	supply chain finance, credit risk, Construction Bank, E - loan, W - Commerce Platform
中文摘要：	供应链金融作为一种适用于中小企业的新型融资模式，其出现为中小企业申请融资提供了一条新的渠道，解决了中小企业融资难的困境。在供应链金融中，银行不再以单个企业作为其考查的对象，而是将整条供应链上的要素进行信用捆绑，对整条供应链的运营状况及企业在供应链中所处的位置作综合考量，从而为中小企业申请融资提供了更大的可能性。供应链金融将物流、商流、资金流、信息流进行统一整合，平衡供应链中的资源配置，提高整条供应链的竞争力。但是在供应链金融的运行中也存在着许多的风险，各主体间由于紧密的捆绑关系，彼此间都存在着相互的影响与制约，同样风险也会在主体间扩大。所以对供应链金融中的风险进行防范，使银行遭受的损失降到最低，保障银行的资金安全，才能促进供应链金融的更好发展。本文主要从供应链金融的融资模式及其风险角度进行研究,分为四部分。第一部分,首先对供应链金融的内涵进行剖析,然后分别对供应链金融的融资模式进行考察,对交易成本理论、委托代理理论、贸易自偿性融资理论分析及解释,从而揭示供应链金融的核心理念并为全文的研究奠定理论基础。第二部分, 引入案例建设银行“E贷款”业务，简述银行与电商平台的合作模式，并介绍了“E贷款”中两个子产品的业务模式与操作流程，两个子产品“E单通”与“E点通”涵盖了供应链金融中典型的三种模式。第三部分,首先分析了“E贷款”供应链产品中各成员——核心企业、银行、电商平台、融资企业的权利与义务，并对各主体所潜在的风险进行了阐述。第四部分,首先在前文研究的基础上对供应链金融的风险作进一步的分析,然后从内部和外部两方面对防范供应链金融中可能出现的风险提出建议。
英文摘要：	As a new financing model tailored to small and medium-sized enterprises, supply chain finance has provided a new channel for small and medium-sized enterprises to apply for financing, which solves the difficult situation of financing difficulties of small and medium-sized enterprises. In the supply chain finance, the bank is no longer a single enterprise as the object of its examination, but the entire supply chain elements of the credit bundle, the entire supply chain operating conditions and enterprises in the supply chain in the position For comprehensive consideration, so as to apply for financing for SME to provide a greater possibility. Supply chain finance integrates logistics, business flow, capital flow and information flow, balances the allocation of resources in the supply chain and enhances the competitiveness of the whole supply chain. However, there are many risks in the operation of supply chain finance. Due to the tight binding relationship among the various entities, there are mutual influence and restriction on each other, and the same risk will expand among the subjects. So to guard against the risks in the supply chain finance, so that the losses suffered by the banks are minimized, and the security of the banks' funds can be guaranteed. So the development of supply chain finance can be improved. This article mainly from the supply chain finance financing mode and its risk angle research, is divided into four parts. In the first part, the connotation of supply chain finance is analyzed firstly, then the financing mode of supply chain finance is investigated, and the theory of transaction cost, principal-agent theory and trade self-sufficiency financing are analyzed and explained, and then the supply chain finance Core idea and lay the theoretical foundation for the study of the full text. The second part introduces the "E-loan" business of CCB, briefly introduces the cooperation mode between the bank and the electricity supplier platform, and introduces the business model and operation of the two sub-products in "E-Loan". The two sub- "E-point" covers the supply chain finance in the three typical models. In the third part, the author analyzes the rights and obligations of each member of the E-loan supply chain products - the core enterprise, the bank, the electronic business platform and the financing enterprise, and elaborates the potential risks of the various entities. In the fourth part, firstly, the risk of supply chain finance is further analyzed on the basis of the former research, then the suggestions are put forward from both internal and external aspects to guard against possible risks in supply chain finance.
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