本文選題：商業(yè)銀行 + 應(yīng)收賬款質(zhì)押融資�。� 參考：《河北大學(xué)》2017年碩士論文

【摘要】：應(yīng)收賬款質(zhì)押融資是商業(yè)銀行對(duì)工商企業(yè)信貸業(yè)務(wù)中的重要融資方式。隨著商業(yè)銀行應(yīng)收賬款融資業(yè)務(wù)量不斷增大,產(chǎn)品種類(lèi)不斷豐富,應(yīng)收賬款融資業(yè)務(wù)為商業(yè)銀行帶來(lái)巨大利潤(rùn)的同時(shí),融資風(fēng)險(xiǎn)也不斷加大。因此,商業(yè)銀行如何優(yōu)化應(yīng)收賬款質(zhì)押業(yè)務(wù)成為社會(huì)各界關(guān)注的話題。本文首先介紹了論文研究的背景和意義,簡(jiǎn)述了國(guó)內(nèi)外學(xué)者對(duì)商業(yè)銀行應(yīng)收賬款質(zhì)押融資業(yè)務(wù)的研究成果。其次對(duì)商業(yè)銀行開(kāi)展應(yīng)收賬款融資業(yè)務(wù)的背景進(jìn)行分析,并簡(jiǎn)述了商業(yè)銀行應(yīng)收賬款融資模式及特征。再次簡(jiǎn)單介紹Z銀行應(yīng)收賬款質(zhì)押融資開(kāi)展的條件和業(yè)務(wù)流程,以Z銀行對(duì)M公司開(kāi)展的應(yīng)收賬款質(zhì)押融資為案例,對(duì)M公司的經(jīng)營(yíng)情況、行業(yè)地位和財(cái)務(wù)狀況展開(kāi)分析,發(fā)現(xiàn)在此筆應(yīng)收賬款質(zhì)押融資業(yè)務(wù)中,存在出質(zhì)人償債能力欠佳、Z銀行自身的評(píng)價(jià)體系缺乏一定的合理性和貸后持續(xù)監(jiān)控管理工作不到位等問(wèn)題,從而影響了該業(yè)務(wù)的運(yùn)作效率。最后分別從貸前風(fēng)險(xiǎn)調(diào)查和貸后回訪管理兩方面,對(duì)Z銀行應(yīng)收賬款質(zhì)押融資業(yè)務(wù)提出優(yōu)化建議。本文以Z銀行對(duì)公司應(yīng)收賬款質(zhì)押融資的具體案例進(jìn)行分析,能夠更準(zhǔn)確實(shí)際地了解業(yè)務(wù)運(yùn)作狀況以及存在的問(wèn)題,對(duì)應(yīng)收賬款質(zhì)押融資的信用評(píng)價(jià)體系進(jìn)行優(yōu)化,完善信用評(píng)價(jià)指標(biāo),以期望更加客觀地判斷應(yīng)收賬款質(zhì)押貸款的風(fēng)險(xiǎn),這對(duì)Z銀行今后開(kāi)展應(yīng)收賬款質(zhì)押貸款業(yè)務(wù)具有重要的參考意義。
[Abstract]:Accounts receivable pledge financing is an important way for commercial banks to finance the business enterprise credit business. With the increasing amount of accounts receivable financing business of commercial banks and the variety of products, the financing business of accounts receivable brings huge profits to commercial banks, and the financing risk is also increasing. Therefore, commercial banks how to optimize accounts receivable pledge business has become a topic of concern. Firstly, this paper introduces the background and significance of the research, and briefly introduces the research results of the commercial bank accounts receivable pledge financing business at home and abroad. Secondly, the paper analyzes the background of the commercial bank's account receivable financing, and briefly describes the financing mode and characteristics of the commercial bank's accounts receivable. Secondly, this paper briefly introduces the conditions and business process of the pledge financing of accounts receivable of Z Bank. Taking the pledge financing of accounts receivable of M Company as an example, this paper analyzes the operating situation, industry status and financial situation of M Company. It is found that in this business of pledge financing of accounts receivable, there are some problems such as the poor repayment ability of the mortgagor and the lack of rationality in the evaluation system of the bank itself, and the lack of continuous monitoring and management work after the loan, etc. As a result, the operation efficiency of the service is affected. Finally, from the two aspects of pre-loan risk investigation and post-loan return visit management, the paper puts forward some optimization suggestions to Z bank's accounts receivable pledge financing business. This paper analyzes the specific case of the pledge financing of accounts receivable by Z Bank, which can understand the business operation and the existing problems more accurately and practically, and optimize the credit evaluation system of the pledge financing of accounts receivable. Perfecting the credit evaluation index and expecting to judge the risk of the pledge loan of accounts receivable more objectively, which has important reference significance for Z bank to carry out the business of pledge loan of accounts receivable in the future.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.33;F830.42

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