本文選題：汽車供應鏈　切入點：融資模式　出處：《華南理工大學》2013年碩士論文　論文類型：學位論文

【摘要】：近年來，伴隨著經(jīng)濟全球化的不斷深入，供應鏈管理作為一種新的管理模式應運而生并且?guī)缀踉谒械男袠I(yè)中普及。由于擔保系統(tǒng)不健全、金融機構與企業(yè)之間的信息不對稱、融資中小企業(yè)缺乏固定抵押資產(chǎn)等原因，中小企業(yè)融資難的問題一直未能得以解決，導致整條供應鏈的穩(wěn)定性更差、財務成本更高，成為了供應鏈發(fā)展的瓶頸。供應鏈融資模式對于解決供應鏈上的中小企業(yè)融資難的問題有一定的作用，并且可以給銀行帶來可觀的經(jīng)濟利益[1]。因此，越來越多的商業(yè)銀行都投資更多的人力、物力到供應鏈融資業(yè)務當中，將供應鏈融資納入自身的市場定位。 供應鏈融資與傳統(tǒng)融資模式有很大區(qū)別：傳統(tǒng)融資模式最關注主體信用風險，注重對借款企業(yè)主體進行信用評級，比較注重財務狀況、企業(yè)規(guī)模及企業(yè)經(jīng)營管理能力等；而供應鏈融資關注的是企業(yè)之間的貿(mào)易背景是否是真實的、貿(mào)易上下游企業(yè)之間關聯(lián)緊密程度、核心企業(yè)信譽和規(guī)模以及對供應鏈的管理能力等。傳統(tǒng)的融資模式可能會存在著較大的信用風險；而供應鏈融資模式將一部分的信用風險轉移到操作風險上。由于供應鏈融資產(chǎn)品在我國興起時間不長，供應鏈融資的理念和風險控制都尚未成型，所以我國商業(yè)銀行急需探討健康發(fā)展供應鏈融資業(yè)務的道路。 由于不同行業(yè)的經(jīng)營模式、交易方式及資金周轉等有著各自不同的特點，因此，商業(yè)銀行應當分析不同供應鏈的行業(yè)特征，設計出能適用于相關行業(yè)的具備行業(yè)特征的供應鏈融資模式。由于近來年我國汽車行業(yè)發(fā)展的步伐非常快，，本文以H銀行的汽車供應鏈融資模式為主要分析對象。對H銀行的汽車供應鏈融資模式的業(yè)務流程、收益及風險進行全面綜合的分析，以期對H銀行日后發(fā)展和壯大該業(yè)務提供一定的幫助，并為其他商業(yè)銀行發(fā)展供應鏈融資業(yè)務提供一定的借鑒作用。
[Abstract]:In recent years, with the deepening of economic globalization, supply chain management (SCM) as a new management model emerged as the times require and is widely used in almost all industries. Because of the imperfect guarantee system, the information between financial institutions and enterprises is asymmetric. Financing SMEs lack of fixed mortgage assets and other reasons, the financing difficulties of SMEs have not been solved, resulting in the entire supply chain is less stable, financial costs are higher. It has become the bottleneck of the development of supply chain. Supply chain financing mode plays a certain role in solving the financing difficulties of small and medium-sized enterprises in supply chain, and can bring considerable economic benefits to banks [1]. More and more commercial banks invest more manpower and material resources into the supply chain financing business, and bring the supply chain financing into their own market positioning. The supply chain financing is very different from the traditional financing mode: the traditional financing mode pays most attention to the credit risk of the main body, the credit rating of the main body of the borrowing enterprise, the financial situation, the scale of the enterprise and the management ability of the enterprise, etc. Supply chain financing is concerned about whether the trade background between enterprises is real and whether the relationship between upstream and downstream enterprises is close. The credit standing and scale of the core enterprise and the ability to manage the supply chain, etc. The traditional financing mode may have greater credit risk; However, supply chain financing mode transfers part of credit risk to operational risk. Because supply chain financing products have not been developed for a long time in China, the concept of supply chain financing and risk control have not been formed yet. Therefore, our commercial banks urgently need to explore the road of healthy development of supply chain financing business. Since different industries have different characteristics, such as business mode, transaction mode and capital turnover, commercial banks should analyze the industry characteristics of different supply chains. To design a supply chain financing model with industry characteristics that can be applied to related industries. Because of the rapid development of automobile industry in China in recent years, This paper takes H Bank's automobile supply chain financing model as the main analysis object, analyzes the business process, income and risk of H bank's automobile supply chain financing mode comprehensively and synthetically. In order to provide some help for H Bank to develop and strengthen the business in the future, and to provide some reference for other commercial banks to develop the supply chain financing business.
【學位授予單位】：華南理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33;F274;F275

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