發(fā)布時間：2018-05-01 11:09

  本文選題：供應(yīng)鏈金融 + 信用風(fēng)險��； 參考：《東北大學(xué)》2012年碩士論文

【摘要】：供應(yīng)鏈金融是將供應(yīng)鏈上相關(guān)企業(yè)作為一個整體進(jìn)行融資服務(wù)的新型信貸產(chǎn)品。供應(yīng)鏈金融不僅有效解決中小企業(yè)融資難的困境,也增加了商業(yè)銀行客戶空間和盈利模式,并且促進(jìn)了物流企業(yè)的發(fā)展。但是供應(yīng)鏈金融作為我國商業(yè)銀行一種新型的信貸業(yè)務(wù),其信用風(fēng)險特征和傳統(tǒng)信貸業(yè)務(wù)不盡相同。如果商業(yè)銀行只顧一味推出供應(yīng)鏈金融產(chǎn)品而忽視對其信用風(fēng)險管理,很有可能對商業(yè)銀行利益造成損失,后果惡劣時可能使整個銀行系統(tǒng)遭受破壞,因此有必要對我國商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)信用風(fēng)險管理進(jìn)行系統(tǒng)性研究。 本文主要從商業(yè)銀行的角度比較系統(tǒng)的研究了供應(yīng)鏈金融信用風(fēng)險管理�？梢苑譃槲宀糠郑旱谝�,對供應(yīng)鏈金融的定義、基本模式、特點(diǎn)和信用風(fēng)險等理論進(jìn)行概述。第二、對商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)的信用風(fēng)險識別進(jìn)行研究。分析歸納其業(yè)務(wù)開展時主要的致險因素等問題。第三、對商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)信用風(fēng)險評估進(jìn)行研究。其中在信用風(fēng)險評估方法的選擇上,利用專家打分法和logistic信用風(fēng)險評估模型對信用風(fēng)險進(jìn)行定量研究。第四、研究商業(yè)銀行控制供應(yīng)鏈金融業(yè)務(wù)信用風(fēng)險可以采取的措施,綜合這些措施構(gòu)建供應(yīng)鏈融資業(yè)務(wù)貸前、貸中、貸后的風(fēng)險控制體系,期望全面持續(xù)的控制信用風(fēng)險。第五、結(jié)合研究結(jié)論,通過具體實(shí)例闡述商業(yè)銀行在實(shí)踐中如何對供應(yīng)鏈金融業(yè)務(wù)進(jìn)行信用風(fēng)險管理。 論文對供應(yīng)鏈金融的理論和應(yīng)用進(jìn)行研究,主要的研究方法是定性研究和定量研究相結(jié)合,理論聯(lián)系實(shí)例,綜合運(yùn)用文獻(xiàn)資料、數(shù)量模型運(yùn)算、案例等研究方法,期望取得更好的研究效果,使得研究內(nèi)容和結(jié)論具有更強(qiáng)的實(shí)踐意義,為銀行等金融機(jī)構(gòu)健康發(fā)展供應(yīng)鏈金融業(yè)務(wù)提供一定的借鑒作用。
[Abstract]:Supply chain finance is a new type of credit product which provides financing services to related enterprises in the supply chain as a whole. Supply chain finance not only effectively solves the difficulty of financing for small and medium-sized enterprises, but also increases the customer space and profit model of commercial banks, and promotes the development of logistics enterprises. However, as a new type of credit business of commercial banks in China, supply chain finance has different characteristics of credit risk and traditional credit business. If commercial banks only focus on the introduction of supply chain financial products while neglecting their credit risk management, it is likely to cause losses to the interests of commercial banks, and the entire banking system may be damaged if the consequences are abominable. Therefore, it is necessary to conduct systematic research on credit risk management of supply chain financial business of Chinese commercial banks. This paper systematically studies the credit risk management of supply chain finance from the point of view of commercial banks. It can be divided into five parts: first, the definition, basic model, characteristics and credit risk theory of supply chain finance are summarized. Secondly, the credit risk identification of the supply chain financial business of commercial banks is studied. Analyze and sum up the main risk factors when the business is carried out. Thirdly, the credit risk assessment of the supply chain financial business of commercial banks is studied. In the selection of credit risk assessment methods, the expert scoring method and logistic credit risk assessment model are used to quantitatively study credit risk. Fourthly, the paper studies the measures that commercial banks can take to control the credit risk of supply chain financial business, and synthesizes these measures to construct the risk control system before, during and after the loan of the supply chain financing business, in order to control the credit risk in a comprehensive and sustainable manner. Fifthly, combining with the conclusion of the research, this paper expounds how the commercial banks manage the credit risk of the supply chain financial business in practice through concrete examples. In this paper, the theory and application of supply chain finance are studied. The main research methods are the combination of qualitative and quantitative research, the combination of theory and examples, the comprehensive use of literature, quantitative model operation, case studies, etc. It is expected to achieve better results, make the research content and conclusions have a stronger practical significance, and provide a certain reference for banks and other financial institutions to develop supply chain financial business healthily.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33;F830.42

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