發(fā)布時(shí)間：2018-01-15 03:17

  本文關(guān)鍵詞：基于電商平臺(tái)的供應(yīng)鏈金融的銀行風(fēng)險(xiǎn)管理問(wèn)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(tái) 風(fēng)險(xiǎn)評(píng)價(jià) 風(fēng)險(xiǎn)控制

【摘要】：供應(yīng)鏈金融作為解決中小企業(yè)融資難問(wèn)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(lái),得到了商業(yè)銀行的爭(zhēng)先推廣和廣泛的應(yīng)用。隨著信息經(jīng)濟(jì)時(shí)代的到來(lái),電子商務(wù)蓬勃發(fā)展,通過(guò)電子商務(wù)平臺(tái)進(jìn)行線上貿(mào)易的中小企業(yè)越來(lái)越多,這類中小企業(yè)在享受"信息流"加速的同時(shí),依然面臨著"資金流"的短缺。大型電商企業(yè)通過(guò)與銀行合作或自建金融服務(wù)機(jī)構(gòu)介入傳統(tǒng)供應(yīng)鏈金融業(yè)務(wù),推動(dòng)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(tái)的供應(yīng)鏈金融的發(fā)展已成為大趨勢(shì)。本文在考察了市場(chǎng)上大量的電商平臺(tái)上的供應(yīng)鏈金融業(yè)務(wù)實(shí)踐后,在已有研究的基礎(chǔ)上,對(duì)我國(guó)電商平臺(tái)上的供應(yīng)鏈金融的發(fā)展現(xiàn)狀和風(fēng)險(xiǎn)管理進(jìn)行了研究。文章闡述了電子商務(wù)平臺(tái)的參與對(duì)供應(yīng)鏈金融的影響和我國(guó)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(tái)的供應(yīng)鏈金融與傳統(tǒng)供應(yīng)鏈金融相比的優(yōu)勢(shì)。目前國(guó)內(nèi)外對(duì)基于電商平臺(tái)的供應(yīng)鏈金融風(fēng)險(xiǎn)問(wèn)題的研究還較為稀少,本文以《巴塞爾新資本協(xié)議》對(duì)銀行提出的全面風(fēng)險(xiǎn)管理的要求為基礎(chǔ),識(shí)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(shí)新的風(fēng)險(xiǎn)要素,結(jié)合電商平臺(tái)上供應(yīng)鏈金融風(fēng)險(xiǎn)特征,確立了基于電商平臺(tái)的供應(yīng)鏈金融業(yè)務(wù)風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)。之后本文運(yùn)用層次分析法計(jì)算出指標(biāo)權(quán)重,構(gòu)建了基于電商平臺(tái)的銀行供應(yīng)鏈金融業(yè)務(wù)風(fēng)險(xiǎn)評(píng)價(jià)表。最后,本文總結(jié)了目前銀行在電商平臺(tái)上的供應(yīng)鏈金融業(yè)務(wù)中風(fēng)險(xiǎn)控制中的不足,從企業(yè)相關(guān)風(fēng)險(xiǎn)控制、供應(yīng)鏈融資業(yè)務(wù)運(yùn)營(yíng)中相關(guān)風(fēng)險(xiǎn)控制和交易項(xiàng)下資產(chǎn)相關(guān)風(fēng)險(xiǎn)控制三個(gè)方面提出了風(fēng)險(xiǎn)控制方案。本文從風(fēng)險(xiǎn)識(shí)別、評(píng)價(jià)、控制出發(fā)系統(tǒng)性的研究了基于電商平臺(tái)的供應(yīng)鏈金融中銀行的風(fēng)險(xiǎn)管理問(wèn)題,建立的風(fēng)險(xiǎn)評(píng)價(jià)表為目前研究較為欠缺的線上供應(yīng)鏈金融風(fēng)險(xiǎn)評(píng)價(jià)提供了一定理論研究基礎(chǔ)。同時(shí),對(duì)基于電商平臺(tái)的供應(yīng)鏈風(fēng)險(xiǎn)控制的研究對(duì)銀行開展線上供應(yīng)鏈金融業(yè)務(wù)有一定的實(shí)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(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F274;F832

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