發(fā)布時(shí)間：2018-02-17 00:32

  本文關(guān)鍵詞： 商業(yè)銀行 國(guó)內(nèi)保理 風(fēng)險(xiǎn)防范 業(yè)務(wù)模式 融資　出處：《福州大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：國(guó)內(nèi)保理業(yè)務(wù)是基于國(guó)內(nèi)貿(mào)易雙方應(yīng)收賬款的轉(zhuǎn)讓和受讓進(jìn)行的融資行為。近年來(lái),隨著我國(guó)經(jīng)濟(jì)的飛速發(fā)展,供應(yīng)鏈的概念越來(lái)越受到國(guó)內(nèi)企業(yè)的理解和重視,供應(yīng)鏈融資也基于這種背景下逐漸發(fā)展起來(lái),而國(guó)內(nèi)保理業(yè)務(wù)作為供應(yīng)鏈融資產(chǎn)品中的重要一員已成為各家商業(yè)銀行發(fā)展的一項(xiàng)重點(diǎn)產(chǎn)品。但從目前我國(guó)國(guó)內(nèi)保理業(yè)務(wù)的發(fā)展運(yùn)營(yíng)情況看,無(wú)論是市場(chǎng)環(huán)境、政策環(huán)境亦或是國(guó)內(nèi)商業(yè)銀行本身都存在著諸如政策法規(guī)不完善、品種較為單一、業(yè)務(wù)操作不規(guī)范等問(wèn)題。最終導(dǎo)致國(guó)內(nèi)商業(yè)銀行在推出國(guó)內(nèi)保理業(yè)務(wù)后,頻頻發(fā)生風(fēng)險(xiǎn)事件。因此,在目前我國(guó)的經(jīng)濟(jì)體制及政策環(huán)境下,應(yīng)該如何平衡業(yè)務(wù)發(fā)展和風(fēng)險(xiǎn)防控就成為各家商業(yè)銀行關(guān)注的焦點(diǎn)。文章首先對(duì)我國(guó)國(guó)內(nèi)保理業(yè)務(wù)的功能和業(yè)務(wù)模式進(jìn)行分析,結(jié)合目前我國(guó)商業(yè)銀行在國(guó)內(nèi)保理業(yè)務(wù)的實(shí)務(wù)操作提出國(guó)內(nèi)保理業(yè)務(wù)存在的風(fēng)險(xiǎn),同時(shí)引入國(guó)內(nèi)商業(yè)銀行國(guó)內(nèi)保理風(fēng)險(xiǎn)分析案例進(jìn)行剖析。最后,提出在現(xiàn)行的大環(huán)境下,我國(guó)商業(yè)銀行銀行應(yīng)該如何從實(shí)務(wù)操作層面進(jìn)行改進(jìn),并提出風(fēng)險(xiǎn)防范的措施。文章運(yùn)用了供應(yīng)鏈管理及金融學(xué)的相關(guān)知識(shí),并應(yīng)用于商業(yè)銀行的具體操作層面,對(duì)商業(yè)銀行開(kāi)展國(guó)內(nèi)保理業(yè)務(wù)具有一定的指導(dǎo)意義。
[Abstract]:Domestic factoring business is based on the transfer and transfer of domestic trade accounts receivable. In recent years, with the rapid development of our economy, the concept of supply chain has been more and more understood and valued by domestic enterprises. Supply chain financing is also gradually developing against this background. As an important member of supply chain financing products, domestic factoring business has become a key product of the development of commercial banks. However, judging from the development and operation of domestic factoring business in China, whether it is in the market environment, The policy environment or the domestic commercial banks themselves have problems such as imperfect policies and regulations, relatively single varieties, and irregular business operations. Finally, after the introduction of domestic factoring services, domestic commercial banks. Risk events occur frequently. Therefore, in the current economic system and policy environment of our country, How to balance business development and risk prevention and control has become the focus of attention of commercial banks. Firstly, the article analyzes the function and business model of factoring business in China. Combined with the practical operation of domestic factoring business of commercial banks in our country at present, the risk of domestic factoring business is put forward, and the case of domestic factoring risk analysis of domestic commercial banks is analyzed. Finally, it is put forward that under the current environment, How to improve our commercial banks from the practical operation level, and put forward the measures of risk prevention. This paper applies the relevant knowledge of supply chain management and finance, and applies to the specific operational level of commercial banks. Commercial banks to carry out domestic factoring business has certain guiding significance.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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