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论文编号：	3092
作者编号：	2120082641
上传时间：	2011/5/25 1:54:56
中文题目：	国内商业银行供应链融资业务风险管理研究
英文题目：	Risk Management Research about Supply Chain Financing Of China Commercial Bank
指导老师：	戴金平
中文关键字：	商业银行;供应链;供应链融资;风险管理
英文关键字：	Commercial Banks;Supply Chain;Supply Chain Financing;Risk Management
中文摘要：	供应链融资业务的产生和发展是市场经济运行到一定阶段，经济、社会和科技环境发展较为成熟，对于企业交付货能力要求越来越高的背景环境下，金融行业和商贸物流行业、生产制造行业相互促进、相互融合、共同发展的必然结果，是物流、资金流、信息流的互补性、契合性的充分体现，对国民经济的发展具有举足轻重的作用，为参与各方带来共赢局面。然而国内商业银行对供应链融资业务的整体性认识还有待完善，供应链融资业务在能迅速拉动银行业务的同时，对供应链融资业务潜在的风险认识仍有待加深。如何结合供应链融资业务实际业务中遇到的各种问题，对供应链融资业务风险进行有效控制，已成为国内商业银行运营中一个刻不容缓的研究课题。 本文开篇通过供应链融资业务理论的回顾，认为供应链融资业务是适应企业的供应链管理需求，围绕企业资金流、物流、信息流，以真实交易为基础，以动产或应收账款等为支持，通过参与企业现金流和物流的运作有效控制信贷业务风险，而研发创新的新型授信业务。然后，本文重点考察了国内商业银行供应链融资的业务开展模式，介绍了供应链融资业务区别于传统信贷业务的特点，列举了两种典型的供应链融资业务的模式和特点，以实际案例揭示其中蕴含的主要风险。根据揭示的主要风险，结合风险管理理论，提出了两种可行性较高的风险评价模型，并同时就典型的供应链融资业务模式给出具体的风险核心控制措施。最后，本文提出了完善国内商业银行供应链融资业务风险控制的几点配套措施。
英文摘要：	When the market economy goes forward to a certain stage, when the economic, social and technological environment develops more and more mature, when the demand of the enterprise delivering the goods increase rapidly, when the financial industry, the trade and logistics industry, and the manufacturing Industry, promote mutually, integrate mutually and develop commonly, the production and development of supply chain financing becomes an inevitable result. It is also the full reflection of the complementary and the fusion, of the logistics flow, the capital flow, and the information flow. It is of great importance to the national economy, and it plays an important role in bringing win-win situation for the parties involved . However, China commercial banks’ holistic understanding of the supply chain financing has yet to be improved, When the supply chain financing pull in the banking business quickly, the knowledge of the potential risks of the supply chain financing remains to be deepened. With the practical problems encountered of the supply chain financing business, how to control the risk of supply chain financing effectively, has become a pressing research topic in the China commercial banking operation. This thesis begins by review of supply chain financing theory, that the supply chain financing is an innovative new credit business. It is designed to adapt the needs of the supply chain management of the enterprise, focusing on the enterprises’ cash flow, logistics and information flow. It is based on real transactions supported by the chattel, the accounts receivables and the other assets. Through participation in the operation of the cash flow and the logistics of the corporate, the commercial bank can control the credit risk effectively. Then, this thesis studies the business operating model of the commercial banks’ supply chain financing, and with listing two typical modes of supply chain financing , this thesis introduces the characteristics of the supply chain financing which is different from traditional credit business, and reveals the main risks by actual cases. According to the main risk revealed, combining with the classic risk management theory, two models of high feasibility are proposed, while the core risks control measures of the two typical modes of supply chain financing are given .Finally, this thesis end with some supporting measures which can improve the risk control of the commercial banks.
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