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  本文關(guān)鍵詞：基于電商平臺的供應(yīng)鏈金融的銀行風(fēng)險管理問題研究　出處：《海南大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 供應(yīng)鏈金融 電商平臺 風(fēng)險評價 風(fēng)險控制

【摘要】：供應(yīng)鏈金融作為解決中小企業(yè)融資難問題的突破口,自2006年平安銀行(原深圳發(fā)展銀行)率先開展供應(yīng)金融業(yè)務(wù)以來,得到了商業(yè)銀行的爭先推廣和廣泛的應(yīng)用。隨著信息經(jīng)濟時代的到來,電子商務(wù)蓬勃發(fā)展,通過電子商務(wù)平臺進行線上貿(mào)易的中小企業(yè)越來越多,這類中小企業(yè)在享受"信息流"加速的同時,依然面臨著"資金流"的短缺。大型電商企業(yè)通過與銀行合作或自建金融服務(wù)機構(gòu)介入傳統(tǒng)供應(yīng)鏈金融業(yè)務(wù),推動了供應(yīng)鏈金融業(yè)務(wù)由線下向線上的轉(zhuǎn)變,基于電商平臺的供應(yīng)鏈金融的發(fā)展已成為大趨勢。本文在考察了市場上大量的電商平臺上的供應(yīng)鏈金融業(yè)務(wù)實踐后,在已有研究的基礎(chǔ)上,對我國電商平臺上的供應(yīng)鏈金融的發(fā)展現(xiàn)狀和風(fēng)險管理進行了研究。文章闡述了電子商務(wù)平臺的參與對供應(yīng)鏈金融的影響和我國目前電商供應(yīng)鏈金融發(fā)展的現(xiàn)狀,并總結(jié)了基于電商平臺的供應(yīng)鏈金融與傳統(tǒng)供應(yīng)鏈金融相比的優(yōu)勢。目前國內(nèi)外對基于電商平臺的供應(yīng)鏈金融風(fēng)險問題的研究還較為稀少,本文以《巴塞爾新資本協(xié)議》對銀行提出的全面風(fēng)險管理的要求為基礎(chǔ),識別了電子商務(wù)環(huán)境中銀行開展供應(yīng)鏈金融業(yè)務(wù)時新的風(fēng)險要素,結(jié)合電商平臺上供應(yīng)鏈金融風(fēng)險特征,確立了基于電商平臺的供應(yīng)鏈金融業(yè)務(wù)風(fēng)險評價指標(biāo)。之后本文運用層次分析法計算出指標(biāo)權(quán)重,構(gòu)建了基于電商平臺的銀行供應(yīng)鏈金融業(yè)務(wù)風(fēng)險評價表。最后,本文總結(jié)了目前銀行在電商平臺上的供應(yīng)鏈金融業(yè)務(wù)中風(fēng)險控制中的不足,從企業(yè)相關(guān)風(fēng)險控制、供應(yīng)鏈融資業(yè)務(wù)運營中相關(guān)風(fēng)險控制和交易項下資產(chǎn)相關(guān)風(fēng)險控制三個方面提出了風(fēng)險控制方案。本文從風(fēng)險識別、評價、控制出發(fā)系統(tǒng)性的研究了基于電商平臺的供應(yīng)鏈金融中銀行的風(fēng)險管理問題,建立的風(fēng)險評價表為目前研究較為欠缺的線上供應(yīng)鏈金融風(fēng)險評價提供了一定理論研究基礎(chǔ)。同時,對基于電商平臺的供應(yīng)鏈風(fēng)險控制的研究對銀行開展線上供應(yīng)鏈金融業(yè)務(wù)有一定的實踐指導(dǎo)意義。
[Abstract]:Supply chain finance as a breakthrough to solve the financing difficulties of SMEs since 2006 Ping an Bank (formerly Shenzhen Development Bank) took the lead in the supply finance business. With the arrival of the information economy era, e-commerce is booming, and more and more small and medium-sized enterprises trade online through e-commerce platform. While enjoying the acceleration of "information flow", these small and medium-sized enterprises still face the shortage of "capital flow". Large e-commerce enterprises are involved in traditional supply chain financial business by cooperating with banks or building their own financial services institutions. Promoted the supply chain financial business from offline to online transformation. The development of supply chain finance based on ecommerce platform has become a major trend. This paper reviews a large number of e-commerce platform on the supply chain financial business practices, on the basis of existing research. This paper studies the development and risk management of supply chain finance on e-commerce platform in China. This paper expounds the influence of the participation of e-commerce platform on supply chain finance and the current situation of supply chain finance development in China. . And summarized the advantages of supply chain finance based on e-commerce platform compared with traditional supply chain finance. At present, the domestic and foreign research on supply chain financial risk based on e-commerce platform is relatively rare. Based on the requirements of the Basel New Capital Accord for the comprehensive risk management of the banks, this paper identifies the new risk factors in the e-commerce environment when banks carry out the supply chain financial business. Combined with the characteristics of supply chain financial risk on the ecommerce platform, this paper establishes the evaluation index of supply chain financial business risk based on ecommerce platform. Then, this paper calculates the index weight by using AHP. Finally, this paper summarizes the deficiency of risk control in the supply chain financial business of banks on the platform of e-commerce. From three aspects: enterprise related risk control, supply chain financing operation related risk control and asset related risk control under transaction item, this paper puts forward the risk control scheme from risk identification and evaluation. This paper systematically studies the risk management of banks in supply chain finance based on e-commerce platform. The established risk assessment form provides a theoretical basis for the online supply chain financial risk assessment, which is lacking in the current research. At the same time, it provides a theoretical basis for the financial risk assessment of the online supply chain. The research on supply chain risk control based on e-commerce platform has certain practical significance for banks to carry out online supply chain financial business.
【學(xué)位授予單位】：海南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F274;F832

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