發(fā)布時(shí)間：2018-08-19 13:14

【摘要】：隨著社會(huì)不斷進(jìn)步,經(jīng)濟(jì)水平不斷提高,市場(chǎng)競(jìng)爭(zhēng)也越來越激烈,同一行業(yè)內(nèi)企業(yè)競(jìng)爭(zhēng)已轉(zhuǎn)移到供應(yīng)鏈競(jìng)爭(zhēng)。供應(yīng)鏈中不同企業(yè)為了最大程度的擴(kuò)大市場(chǎng)占有份額,降低生產(chǎn)成本,鞏固行業(yè)地位,迫切需求供應(yīng)鏈金融業(yè)務(wù)。地方城市商業(yè)銀行順理成章大力推行供應(yīng)鏈金融業(yè)務(wù),不僅為中小企業(yè)的融資問題提供解決的新思路,而且供應(yīng)鏈金融業(yè)務(wù)也得到了快速發(fā)展。山東省城市商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)積極運(yùn)作,對(duì)地方經(jīng)濟(jì)發(fā)展、中小企業(yè)融資方面起到極大的促進(jìn)作用。由于商業(yè)銀行的供應(yīng)鏈金融業(yè)務(wù)開展時(shí)間較晚,仍然處于摸索階段,所以絕大多數(shù)商業(yè)銀行也包括地方城市商業(yè)銀行并沒有一套成熟完善的信用風(fēng)險(xiǎn)管理體系,再加上開展供應(yīng)鏈金融業(yè)務(wù)技術(shù)手段較為落后、國(guó)內(nèi)市場(chǎng)經(jīng)濟(jì)體制仍不健全以及相關(guān)政府部門監(jiān)管意識(shí)的薄弱,使得國(guó)內(nèi)城市商業(yè)銀行在開展業(yè)務(wù)時(shí)需要面對(duì)極大的信用風(fēng)險(xiǎn)危機(jī)。所以,我們應(yīng)該對(duì)供應(yīng)鏈金融業(yè)務(wù)相關(guān)內(nèi)容做深入研究,降低信用風(fēng)險(xiǎn)的發(fā)生,減少商業(yè)銀行的損失,從而促進(jìn)供應(yīng)鏈金融業(yè)務(wù)更好的開展。本文首先從供應(yīng)鏈金融理論基礎(chǔ)出發(fā),闡述了兩種供應(yīng)鏈金融相關(guān)理論以及供應(yīng)鏈金融信用風(fēng)險(xiǎn)相關(guān)內(nèi)容,重點(diǎn)論述了有關(guān)信用風(fēng)險(xiǎn)的含義及特點(diǎn)。然后歸納總結(jié)了現(xiàn)如今國(guó)內(nèi)商業(yè)銀行與山東省城市商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)的發(fā)展情況以及出現(xiàn)的信用風(fēng)險(xiǎn)問題,對(duì)供應(yīng)鏈金融資過程中可能產(chǎn)生的風(fēng)險(xiǎn)源做出深入的研究,對(duì)供應(yīng)鏈金融三種模式下的信用風(fēng)險(xiǎn)分別做出了系統(tǒng)的論述。進(jìn)而構(gòu)建商業(yè)銀行供應(yīng)鏈金融信用風(fēng)險(xiǎn)評(píng)估體系。本文將Logistic模型應(yīng)用到信用風(fēng)險(xiǎn)評(píng)估和控制體系中去,利用因子分析法對(duì)中小融資企業(yè)的成長(zhǎng)前景、運(yùn)營(yíng)狀況、獲利能力等方面進(jìn)行數(shù)據(jù)分析,使回歸結(jié)果更為準(zhǔn)確,為銀行等相關(guān)信貸機(jī)構(gòu)的貸款決策提供參考,同樣也給商業(yè)銀行供應(yīng)鏈金融的信用風(fēng)險(xiǎn)控制問題提供了新的思路。最后結(jié)合上述理論研究成果和山東省城市商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)實(shí)例,對(duì)加強(qiáng)商業(yè)銀行供應(yīng)鏈金融信用風(fēng)險(xiǎn)的防控提出相應(yīng)對(duì)策。
[Abstract]:With the development of society and the improvement of economic level, the market competition is becoming more and more fierce. The competition of enterprises in the same industry has been transferred to supply chain competition. In order to enlarge the market share, reduce the production cost and consolidate the position of the industry, different enterprises in the supply chain urgently need the financial business of the supply chain. It is natural that the local city commercial banks vigorously promote the supply chain financial business, which not only provides a new way to solve the financing problems of the small and medium-sized enterprises, but also develops the supply chain financial business rapidly. The supply chain finance business of city commercial bank in Shandong Province is active, which plays a great role in promoting the development of local economy and financing of small and medium-sized enterprises. Because the supply chain financial business of commercial banks is developed late and is still in the groping stage, most commercial banks, including local city commercial banks, do not have a mature and perfect credit risk management system. In addition, the technical means of carrying out the supply chain financial business are relatively backward, the domestic market economy system is still not perfect and the supervision consciousness of the relevant government departments is weak. It makes the domestic city commercial banks face a great credit risk crisis when they carry out their business. Therefore, we should do in-depth research on supply chain financial business, reduce the occurrence of credit risk, reduce the loss of commercial banks, so as to promote the supply chain financial business to carry out better. Based on the theory of supply chain finance, this paper expounds two theories of supply chain finance and the related contents of credit risk of supply chain finance, with emphasis on the meaning and characteristics of credit risk. Then summarized the current domestic commercial banks and Shandong Province City Commercial Bank supply chain financial business development and credit risk problems, the supply chain financial capital process possible risk sources of in-depth research. The credit risk under three modes of supply chain finance is discussed systematically. And then build the commercial bank supply chain financial credit risk assessment system. In this paper, the Logistic model is applied to the credit risk assessment and control system, and the growth prospects, operating conditions and profitability of small and medium-sized financing enterprises are analyzed by factor analysis, which makes the regression results more accurate. It also provides a new idea for the credit risk control in the supply chain finance of commercial banks. Finally, combining the above theoretical research results and the example of the supply chain financial business of Shandong City Commercial Bank, the corresponding countermeasures are put forward to strengthen the prevention and control of the supply chain financial credit risk of the commercial banks.
【學(xué)位授予單位】：曲阜師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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