本文選題：保兌倉(cāng) + 供應(yīng)鏈金融�。� 參考：《北京交通大學(xué)》2013年碩士論文

【摘要】：為解決中小企業(yè)面臨的“融資難”難題,近年來(lái)商業(yè)銀行陸續(xù)推出了包括保兌倉(cāng)產(chǎn)品在內(nèi)的供應(yīng)鏈金融業(yè)務(wù)產(chǎn)品,得到了各界的廣泛關(guān)注。供應(yīng)鏈金融產(chǎn)品的優(yōu)勢(shì)在于銀行將風(fēng)險(xiǎn)控制重點(diǎn)由傳統(tǒng)信貸業(yè)務(wù)中對(duì)借款人資信的審核,通過(guò)對(duì)業(yè)務(wù)模式的轉(zhuǎn)變,引入核心廠商,將風(fēng)控重點(diǎn)更多的鎖定在操作風(fēng)險(xiǎn)層面。 筆者通過(guò)經(jīng)過(guò)多年實(shí)踐經(jīng)驗(yàn)的摸索,認(rèn)為在保兌倉(cāng)產(chǎn)品運(yùn)行過(guò)程中,對(duì)參與方行為的研究應(yīng)最為關(guān)鍵,各方行為的不確定會(huì)對(duì)整個(gè)系統(tǒng)產(chǎn)生巨大影響。 本文利用具體數(shù)據(jù),通過(guò)對(duì)汽車和鋼貿(mào)行業(yè)實(shí)際案例的分析,研究了目前國(guó)內(nèi)三方保兌倉(cāng)產(chǎn)品和四方保兌倉(cāng)產(chǎn)品中各參與方行為的影響因素,提出利潤(rùn)分配是影響各方行為的主因。本文詳細(xì)分析了保兌倉(cāng)產(chǎn)品各參與方的風(fēng)險(xiǎn)點(diǎn)和互相間的博弈過(guò)程,并總結(jié)出現(xiàn)階段兩行業(yè)在保兌倉(cāng)產(chǎn)品操作中集中出現(xiàn)的幾方面風(fēng)控問(wèn)題,包括廠商違規(guī)放貨、倉(cāng)儲(chǔ)機(jī)構(gòu)監(jiān)管失效、經(jīng)銷商未按進(jìn)度提貨和價(jià)格波動(dòng)超出控制。 以實(shí)際問(wèn)題出發(fā),本文站在銀行的角度,針對(duì)每個(gè)具體問(wèn)題分別提出了具有實(shí)操性的風(fēng)險(xiǎn)控制對(duì)策,如加強(qiáng)準(zhǔn)入、動(dòng)態(tài)監(jiān)控、信用增級(jí)、完善條款、賬戶監(jiān)管、設(shè)定退出策略等。 此外,本文還將汽車保兌倉(cāng)和鋼貿(mào)保兌倉(cāng)進(jìn)行了對(duì)比分析,提出銀行針對(duì)不同行業(yè)特點(diǎn),風(fēng)險(xiǎn)控制要有不同的側(cè)重點(diǎn)。
[Abstract]:In order to solve the problem of "financing difficulty" faced by small and medium-sized enterprises, in recent years, commercial banks have successively introduced supply chain financial business products, including confirmed warehouse products, which have received extensive attention from all walks of life. The advantage of supply chain financial products lies in that banks focus on risk control from the traditional credit business to the credit of borrowers, through the transformation of the business model, the introduction of core manufacturers, wind control focus more locked in the operational risk level. After many years of practical experience, the author thinks that the research on the behavior of the participants should be the most important in the operation process of the confirmed warehouse products, and the uncertainty of the behavior of the parties will have a great impact on the whole system. Based on the analysis of actual cases of automobile and steel trade industry, this paper studies the factors influencing the behavior of each participant in domestic three-party confirmation products and four-party confirmed warehouse products. It is put forward that profit distribution is the main factor that affects the behavior of all parties. This paper analyzes in detail the risk points and the game process among the parties involved in the confirmed warehouse products, and summarizes several aspects of wind control problems in the operation of the confirmed goods in the two industries in the emergence stage, including the illegal delivery of goods by the manufacturers. Warehousing agencies failed to regulate, dealers did not pick up according to schedule and price fluctuations out of control. From the point of view of the bank, this paper puts forward some practical risk control countermeasures, such as strengthening access, dynamic monitoring, credit upgrading, perfecting clauses, and account supervision, in view of each specific problem. Set exit strategy, etc. In addition, the paper makes a comparative analysis between the automobile confirming warehouse and the steel trade confirming warehouse, and points out that the bank should have different emphasis on risk control according to the characteristics of different industries.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.42

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本文編號(hào)：1843119