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我国商业银行供应链金融风险管理问题研究_MBA论文(65页).rar

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我国商业银行供应链金融风险管理问题研究 中文摘要
I
我国商业银行供应链金融风险管理问题研究
中文摘要
随着中小企业在我国国民经济中的地位不断增强,中小企业已成为我国经济高速
持续发展的重要源动力。但是,中小企业由于体制原因及自身先天的不足,很难从商
业银行传统的信贷融资模式中获得支持,极大的抑制了中小企业的发展。

近年来,供应链金融作为商业银行提供的一种新型融资模式,规避了传统信贷融
资对中小企业在担保等方面的局限性,大大拓展了中小企业的融资途径,因此在我国
发展非常迅速。但作为一种创新型金融产品,供应链金融不仅存在传统商业银行信贷
业务所具有的各类风险,而且还因引入了供应链而产生具有供应链金融所特有的风
险。因此如何通过有效的风险管理,来保证供应链金融的稳定和安全,已成为商业银
行进一步发展供应链金融必需考虑的问题。

本文在前人研究成果的基础上,通过理论分析,并结合银行实务,对供应链金融
模式的进行研究,并通过对应收账款融资、保兑仓融资和融通仓融资业务流程的详细
阐述,为商业银行利用供应链金融产品和服务有效缓解中小企业的融资问题提供指
导。同时,本文详细分析了供应链金融业务所面临的主要风险、不同供应链金融融资
模式的风险以及目前商业银行在供应链金融风险管理中存在的问题等,并提出了供应
链金融风险管理的对策,主要介绍了完善供应链金融准入体系和银行内部控制体系、
建设有效的信息服务平台、健全相关法律法规等策略,以及现金流管理、结构化授信
和信贷资产证券化三个重要的风险管理手段,为商业银行供应链金融风险管理提供了
可以实际运用的管理方式,对我国商业银行做好供应链金融风险管理工作具有一定的
指导意义。

关键词:商业银行 供应链金融 风险管理
作 者:朱国玉
指导老师:贝政新英文摘要 我国商业银行供应链金融风险管理问题研究
II
The Research of Risk Management in Supply Chain Finance
of Commercial Banks in China
Abstract
With the status of small and medium-sized enterprises (SMEs) in China's national
economy continues to strengthen, SMEs has become an important driving force of our
country's rapid economic sustainable development. However, SMEs due to their own lack
of institutional reasons and congenital deficiency, it is difficult to get support from
traditional commercial bank credit financing model, greatly inhibited the development of
SMEs.
In recent years, supply chain finance as a new financing model provided by
commercial banks, to circumvent the limitations of traditional credit financing for SMEs in
terms of guarantees, and greatly expand the financing channels for SMEs, and therefore
develop rapidly in China. But as a kind of innovative financial products, supply chain
finance various risks exist not only in traditional commercial bank credit, but also in the
introduction of supply chain and therefore risks arising from the unique supply chain
finance. So how to ensure stability and security of supply chain by effective risk
management has become an issue, that commercial bank must be considered in developing
supply chain finance.
This paper is based on predecessors' research results, theoretical analysis, combined
with banking practice, conduct research on supply chain finance model, and through
elaboration of processes of accounts receivable financing, confirming warehouse financing
and FTW financing, provide guidance of using the supply chain financial products and
services to effectively alleviate the financing problems of SMEs to commercial banks.
Meanwhile, this paper analyzes the main risks that the supply chain finance business faced
with, the risks of different modes of supply chain finance and the problems in risk
management of commercial banks currently existing in the supply chain finance. And
proposed risk management strategies in supply chain finance, mainly introduced to
improve financial access for the supply chain system and the bank's internal control system,