發(fā)布時間：2018-03-09 16:49

  本文選題：供應(yīng)鏈金融　切入點：融資模式　出處：《河北經(jīng)貿(mào)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：供應(yīng)鏈金融模式的出現(xiàn)為中小企業(yè)融資難提供了一種融資途徑，其主要的特征是以供應(yīng)鏈為整體的角度切入，對其進(jìn)行綜合授信，改變了傳統(tǒng)模式針對單個企業(yè)進(jìn)行風(fēng)險管理的方式。在供應(yīng)鏈金融模式下，銀行不再針對單個企業(yè)孤立考核，而是根據(jù)企業(yè)在供應(yīng)鏈鏈條中所處的位置以及行業(yè)特征進(jìn)行綜合考量，，加大了企業(yè)獲得授信的可能性。供應(yīng)鏈金融是商業(yè)銀行為中小企業(yè)量身打造的一種融資方式，不僅為中小企業(yè)提供了一種新的融資渠道，同時擴(kuò)大了商業(yè)銀行的業(yè)務(wù)范圍，增加了業(yè)務(wù)收入。供應(yīng)鏈金融將鏈條上的核心企業(yè)與有融資需求的中小企業(yè)結(jié)合起來，達(dá)到了物流、信息流和資金流的統(tǒng)一，均衡了供應(yīng)鏈的資金配置，提高了整個鏈條的競爭能力。但是，供應(yīng)鏈金融在運行過程中存在著各種風(fēng)險，其中最主要的是信用風(fēng)險，由于供應(yīng)鏈金融業(yè)務(wù)起步較晚，對供應(yīng)鏈金融背景下的中小企業(yè)信用風(fēng)險還沒有足夠重視，也缺少對于供應(yīng)鏈金融的信用防范和控制的實踐經(jīng)驗。對信用風(fēng)險的防范研究，能夠促使銀行做出正確的信貸計劃，降低銀行遭受損失的風(fēng)險，促進(jìn)供應(yīng)鏈金融更好的發(fā)展。 本文從供應(yīng)鏈金融的融資模式以及信用風(fēng)險的角度進(jìn)行研究，共分為五個部分。第一部分，主要介紹了供應(yīng)鏈金融的研究背景及意義、國內(nèi)外的研究綜述、研究內(nèi)容及研究思路。第二部分，分析了供應(yīng)鏈金融及其風(fēng)險的相關(guān)理論，解釋了交易成本理論、委托代理理論和信用風(fēng)險評價理論，為全文的研究奠定了理論基礎(chǔ)。第三部分，介紹了國內(nèi)外供應(yīng)鏈金融的發(fā)展歷程，之后介紹了我國目前供應(yīng)鏈金融的運行方式。第四部分，分析了供應(yīng)鏈金融的融資模式以及各個模式運行過程中存在的風(fēng)險。首先介紹了供應(yīng)鏈金融模式的概念，分析了應(yīng)收賬款融資模式、保兌倉融資模式和融通倉融資模式的運行過程和風(fēng)險。通過分析每種模式中存在的風(fēng)險，得出信用風(fēng)險是供應(yīng)鏈金融的主要風(fēng)險，而且通過案例說明了信用風(fēng)險帶來的巨大損失。第五部分，從內(nèi)部風(fēng)險防范和外部風(fēng)險防范的角度，提出了防范信用風(fēng)險的措施，通過建立信用風(fēng)險評價體系，對供應(yīng)鏈金融的信用風(fēng)險進(jìn)行評價，建立核心企業(yè)的準(zhǔn)入體系和中小企業(yè)的準(zhǔn)入體系，對中小企業(yè)和核心企業(yè)進(jìn)行信用捆綁和雙重信用體系的考量，以及加強對物流企業(yè)的監(jiān)督來降低信用風(fēng)險。銀行還可以利用將質(zhì)押物投保和金融衍生工具來規(guī)避信用風(fēng)險。
[Abstract]:The appearance of the supply chain finance mode provides a financing way for the small and medium-sized enterprises, whose main characteristic is to cut into the supply chain as a whole and to give it a comprehensive credit. The traditional mode of risk management for individual enterprises has been changed. Under the supply chain finance model, banks are no longer looking at individual enterprises in isolation. On the basis of the position of the enterprise in the supply chain and the characteristics of the industry, it increases the possibility of the enterprise getting credit. Supply chain finance is a kind of financing method that commercial banks create for small and medium-sized enterprises. It not only provides a new financing channel for small and medium-sized enterprises, but also expands the scope of business of commercial banks and increases business income. Supply chain finance combines the core enterprises in the chain with small and medium-sized enterprises with financing needs. It has achieved the unification of logistics, information flow and capital flow, balanced the fund allocation of the supply chain and improved the competitiveness of the whole chain. However, there are various risks in the operation of the supply chain finance, the most important of which is the credit risk. Due to the late start of supply chain financial business, the credit risk of small and medium-sized enterprises in the context of supply chain finance has not been paid enough attention to, and the practical experience of credit prevention and control in supply chain finance is also lacking. It can make the bank make the right credit plan, reduce the risk of bank loss, and promote the development of supply chain finance. This paper is divided into five parts from the perspective of financing mode and credit risk of supply chain finance. The first part mainly introduces the research background and significance of supply chain finance, and summarizes the domestic and foreign research. The second part analyzes the relevant theories of supply chain finance and its risk, explains the transaction cost theory, the principal-agent theory and the credit risk evaluation theory. The third part introduces the development course of supply chain finance at home and abroad, and then introduces the current operation mode of supply chain finance in China. Part 4th, This paper analyzes the financing mode of supply chain finance and the risks existing in the operation of each mode. Firstly, it introduces the concept of supply chain finance model, and analyzes the financing mode of accounts receivable. Based on the analysis of the risks in each model, it is concluded that credit risk is the main risk of supply chain finance. Moreover, it explains the huge loss caused by credit risk through case study. Part 5th, from the angle of internal risk prevention and external risk prevention, puts forward the measures to prevent credit risk, and establishes the credit risk evaluation system. The credit risk of supply chain finance is evaluated, the access system of core enterprises and small and medium-sized enterprises is established, and the credit bundling and dual credit system of small and medium-sized enterprises and core enterprises are considered. Banks can also use pledge insurance and financial derivatives to avoid credit risk.
【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

【引證文獻(xiàn)】

相關(guān)期刊論文 前2條

1 彭若詩;;全產(chǎn)業(yè)鏈下鋼鐵供應(yīng)鏈金融融資模式探究[J];金融經(jīng)濟(jì);2015年14期

2 王峰;;供應(yīng)鏈金融融資模式分析及風(fēng)險控制[J];物流工程與管理;2014年10期

本文編號：1589398