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论文编号：	9932
作者编号：	2120152617
上传时间：	2018/5/31 11:09:23
中文题目：	商业保理对中小企业融资业务风险控制研究
英文题目：	Research on risk control of SME financing by commercial factoring
指导老师：	李亚
中文关键字：	中小企业；保理融资；风险控制
英文关键字：	SMEs（small and medium enterprises）； Factoring financing； Risk control
中文摘要：	随着我国市场经济的不断发展，中小型企业发展迅速，产值占据了国内较高比例的GDP并解决了大量国内就业问题。尽管如此，由于中小企业资产规模小，担保抵押能力弱，同时又由于现阶段我国金融市场大环境和金融机构风险偏好等原因，使得中小企业融资极为困难。在这种大环境下，基于应收账款的保理业务便成为受到大多数中小企业欢迎的金融产品，在中小企业中具有广阔的发展前景。但同时由于中小企业普遍存在的管理不规范，信用水平低，账目混乱、经营情况不透明等不规范的行为，如果商业保理公司仍然按照传统信贷业务的思路为中小企业进行融资服务将会大大增加保理公司的风险，对保理公司极为不利，出现授信不良时极难有效追回本金。同时，保理业务作为近十年我国新兴的信贷业务产品，在政策层面和行业标准上还存在着支持保理业务的相关法律法规还不甚健全，行业标准缺失等诸多缺陷。不仅仅如此，大多数保理公司的风险控制措施也并不完善，仅仅停留在对相关单据的表面审核，相关保障性协议的签订上。究其原因，还是由于商业保理公司对中小企业的认知度不足，对开展保理业务的中小企业在本行业中的发展和前景判断出现偏差，以及单一中小企业融资需求和融资动机的把控不到位造成的。本文旨在研究商业保理公司对中小企业保理业务融资中的风险控制，通过建立一套行之有效的针对中小企业的风险评价体系来健全保理公司的风险管控制度，帮助公司识别和筛选优质中小企业。并最终通过一个案例进行分析，指出保理公司在对中小企业融资过程中风险控制的缺失，最终提出对保理业务未来发展的展望。希望本文可为中小企业的保理业务融资提供参考和借鉴。
英文摘要：	With the continuous development of China's market economy, small and medium-sized enterprises have developed rapidly. Output value has occupied a higher proportion of GDP in China, and has solved a large number of domestic employment problems. In spite of this, small and medium sized enterprises are very difficult to finance because of the small size of the small and medium-sized enterprises and the weak security mortgage. At the same time, the small and medium-sized enterprises are extremely difficult to finance because of the current financial market environment and the risk preference of the financial institutions in China. In such a big environment, the factoring business based on accounts receivable has become a financial product welcomed by most small and medium-sized enterprises, and has a broad development prospect in small and medium-sized enterprises. But at the same time, because of the non standard management of small and medium-sized enterprises, low credit level, confusion of accounts and opaque management, it will greatly increase the risk of the company if the commercial factoring company still carries out the financing service for the small and medium enterprises according to the traditional credit business. Adversely, it is very difficult to recover principal effectively when there is bad credit. At the same time, factoring business is a new credit business product in China for nearly ten years. There are still many defects in the policy level and industry standard, which are not perfect, and the industry standard is missing. Not only that, the risk control measures of most of the factoring companies are not perfect, only on the surface review of relevant documents and the signing of relevant safeguards agreements. The reason for it is due to the lack of recognition by the commercial factoring company for small and medium enterprises, the deviation in the development and prospects of the small and medium-sized enterprises in the industry, as well as the lack of control of the financing needs and motives of a single small and medium-sized enterprise. This thesis aims to study the risk control of the business factoring company in the financing of the factoring business of small and medium-sized enterprises. By establishing a set of effective risk evaluation system for small and medium enterprises to improve the risk management system of the factoring company, and help the company to identify and screen the high quality and medium sized enterprises. Finally, through an analysis of a case, it points out the lack of risk control in the financing process of small and medium enterprises, and finally puts forward the prospect of the future development of factoring business. I hope this article can provide reference and reference for SMEs' factoring business financing.
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