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MBA硕士毕业论文_银行供应链金融业务信用风险研究PDF

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I 摘要 供应链金融是一种根据产品供应链上的真实贸易背景和供应链核心企业的信 用水平,对供应链中单个企业或上下游多个企业提供的全面的金融服务。相对于 商业银行普通的信用风险,供应链金融根据多重技术支持降低了中小企业自身的 信用风险,为中小企业融资难的问题提供了新的解决办法。但在银行信贷运营和 控制流程内,现实盈利结局和预想盈利目的可能产生背离,存在资本损耗的可 能。 通过对供应链金融信用风险的控制,商业银行可精确分辨供应链金融业务高 风险费用及高风险水准,做到高风险和盈利相匹配,增强银行竞争力及收益实 力。因此对于商业银行的供应链金融业务信用风险如何进行信用风险防范的问题 有必要进行系统的研讨。基于此,本文根据供应链金融信用风险管理理论,运用 内部调查法,观察法,文献研究发以及归纳分析法,以Z银行为研究对象,对其 供应链金融信用风险管理进行研究。论文首先从Z银行基本情况,Z银行供应链 金融业务情况,Z银行供应链金融客户的业务情况,信用风险管理组织机构设 置,供应链金融业务信用风险的识别和评价,Z银行供应链金融业务信用风险的 控制状况等方面描述了Z银行供应链金融信用风险管理现状,在此基础上,分析 了Z银行供应链金融信用风险存在的问题,包括风险管理岗设置,风险管理制 度,对信用风险的评价,信用风险控制的系统性问题;Z银行供应链金融信用风 险管理问题的原因主要在于职能机构岗位设置不合理,信用风险管理体系没有完 善,信用风险辨别方法没有经过科学研究,信用风险操控没有到位,系统性不强 等方面。针对以上分析,论文从科学识别评估信用风险,加强对供应链金融信用 风险的全过程控制以及降低Z银行供应链金融业务信用风险的保障等方面提出了 解决Z银行供应链金融信用风险管理的对策建议。本文的研究对于增强Z银行供 应链金融业务信用风险防范具有现实意义,同时也对我国其他银行供应链金融业 务信用风险的防范提供了有益的借鉴。 关 键 词:供应链金融;商业银行;信用风险;风险控制;风险评估 论文类型:研究类 选题来源:其他 ABSTRACT II ABSTRACT Supply chain finance is a comprehensive financial service provided to a single enterprise or multiple upstream and downstream enterprises in the supply chain according to the real trade background of the product supply chain and the credit level of the core enterprises in the supply chain. Compared with the common credit risk of commercial Banks, supply chain finance reduces the credit risk of small and medium- sized enterprises according to multiple technical support, and provides a new solution to the financing difficulty of small and medium-sized enterprises. However, in the process of bank credit operation and control, the actual profit result may deviate from the expected profit purpose, and there may be capital loss. By controlling the credit risk of supply chain finance, commercial Banks can accurately distinguish the high risk cost and high risk level of supply chain finance business, and achieve the matching of high risk and profit, so as to enhance the competitiveness and income strength of Banks. Therefore, it is necessary to conduct a systematic research on the credit risk management of commercial Banks' supply chain finance business and credit risk prevention. Based on this, based on the theory of credit risk management of supply chain finance, this paper adopts case study method, literature study method, inductive analysis method and field investigation method to study the credit risk management of supply chain finance of Z bank. Papers first from Z bank basic situation, supply chain finance business Banks in the Z, Z bank supply chain finance the customer's business situation, credit risk management organization setup, supply chain finance business credit risk identification and evaluation, Z bank supply chain finance business condition of credit risk control, etc, describes the Z bank supply chain finance credit risk management present situation, on this basis, the analysis of the Z bank supply chain finance problems of credit risk, including risk management post setting, risk management system, the evaluation of credit risk, credit risk control of systemic problems; The reasons for the credit risk management problems in supply chain finance of bank Z mainly lie in the unreasonable position setting of functional institutions, the incomplete credit risk management system, the unscientific research on credit risk identification methods, the incomplete credit risk control and the weak systematization. Based on the above analysis, the paper puts forward countermeasures and Suggestions to solve the credit risk management of Z ABSTRACT III bank's supply chain finance from the aspects of scientific identification and assessment of credit risk, strengthening the whole process control of supply chain finance credit risk, and reducing the credit risk guarantee of Z bank's supply chain finance business. The study of this paper is of practical significance for strengthening the credit risk prevention of Z bank's supply chain financial business, and also provides a useful reference for the credit risk prevention of other Chinese Banks' supply chain financial business. KEY WORDS: Supply Chain Finance; Commercial Bank; Credit Risk; Risk Control Dissertation type: Research Class Subject source: Other sources 目录 V 目 录 第一章 绪论 ................................................ 1 第一节 研究背景与研究意义 .................................................................................... 1 一、研究背景 .............................................................................................................. 1 二、研究意义 .............................................................................................................. 1 第二节 文献综述 ......................................................................................................... 2 一、国外研究现状 ...................................................................................................... 2 二、国内研究现状 ...................................................................................................... 4 第三节 研究内容和研究方法 .................................................................................... 6 一、研究内容 .............................................................................................................. 6 二、研究方法 .............................................................................................................. 7 第二章 供应链金融业务信用风险相关概念基础 .................. 9 第一节 供应链金融的概念和模式 ............................................................................ 9 一、供应链金融的概念 .............................................................................................. 9 二、供应链金融的模式 .............................................................................................. 9 第二节 供应链金融业务信用风险管理 .................................................................. 10 一、影响商业银行供应链金融业务信用风险的因素 ........................................... 10 二、供应链金融业务信用风险的管理内容 ............................................................ 12 第三章 Z银行供应链金融业务状况及风险管理情况 .............. 15 第一节 Z银行基本情况 ........................................................................................... 15 一、Z银行基本概况 ................................................................................................. 15 二、Z银行供应链金融客户和业务情况 ................................................................ 16 第二节 Z银行供应链金融业务信用风险控制状况 .............................................. 18 一、信用风险管理涉及的部门及职责分工 ............................................................ 18 二、Z银行供应链金融业务信用风险的识别和评价 ............................................ 20 三、Z银行供应链金融业务信用风险的控制 ........................................................ 23 第四章 Z银行供应链金融风险管理存在问题与原因分析 .......... 25 第一节 信用风险管理存在的问题 .......................................................................... 25 一、风险管理岗位设置不合理、职责分工不明确 ............................................... 25 二、信用风险评估方法不恰当 ........................................................