發(fā)布時(shí)間：2018-06-10 21:09

  本文選題：金融服務(wù)外包 + 承包商融資��； 參考：《天津理工大學(xué)》2012年碩士論文

【摘要】：隨著政府融資平臺(tái)清理工作的展開，基礎(chǔ)設(shè)施項(xiàng)目建設(shè)資金的籌集問(wèn)題成為目前亟待解決的難題。承包商在建筑行業(yè)屬于核心企業(yè)，發(fā)展迅速已初具一定的融資能力。而承包商的融資信用風(fēng)險(xiǎn)評(píng)價(jià)是商業(yè)銀行對(duì)其授信的前提，鑒于建筑業(yè)的特點(diǎn)、商業(yè)銀行業(yè)務(wù)范圍和專業(yè)方面的局限性，目前商業(yè)銀行很難解決對(duì)建筑承包商進(jìn)行融資信用風(fēng)險(xiǎn)評(píng)價(jià)的問(wèn)題；因此，本文從金融服務(wù)外包的視角，將對(duì)建筑承包商進(jìn)行融資信用風(fēng)險(xiǎn)評(píng)價(jià)等專業(yè)性比較強(qiáng)的工作委托第三方實(shí)施，將成為商業(yè)銀行拓展業(yè)務(wù)范圍、尋找有效服務(wù)路徑的發(fā)展趨勢(shì)。 基于上述認(rèn)識(shí)，本文在對(duì)現(xiàn)有文獻(xiàn)及研究成果的研究分析基礎(chǔ)上，界定了第三方的概念、職能，基于信息不對(duì)稱理論和委托代理理論構(gòu)建了承包商融資的概念模型，并對(duì)承包商融資信用風(fēng)險(xiǎn)評(píng)價(jià)的指標(biāo)體系和評(píng)價(jià)模型進(jìn)行了深入研究。 首先，對(duì)目前服務(wù)外包和金融服務(wù)外包的文獻(xiàn)資料和發(fā)展現(xiàn)狀進(jìn)行綜述和評(píng)析，從服務(wù)外包的概念、構(gòu)成分析切入，對(duì)金融服務(wù)外包的概念、業(yè)務(wù)分類進(jìn)行了界定和歸納分析；在運(yùn)用博弈論論述融資業(yè)務(wù)中引入第三方必要性的基礎(chǔ)上，從服務(wù)客體、服務(wù)主體和服務(wù)對(duì)象三個(gè)角度對(duì)金融服務(wù)外包模式下的第三方進(jìn)行界定，并對(duì)第三方的特點(diǎn)和企業(yè)職能進(jìn)行了詳細(xì)闡述。 其次，以信息不對(duì)稱理論和委托代理理論作為研究的理論依據(jù)，探究了商業(yè)銀行進(jìn)行金融服務(wù)外包的根源；在對(duì)研究對(duì)象承包商進(jìn)行界定的基礎(chǔ)上，從政策依據(jù)、文獻(xiàn)依據(jù)和實(shí)踐依據(jù)三個(gè)方面探討了承包商融資的可行性，通過(guò)對(duì)項(xiàng)目融資和供應(yīng)鏈金融中融資主體的特點(diǎn)比較研究，構(gòu)建出承包商融資的概念模型，并對(duì)承包商融資過(guò)程中的信用構(gòu)成要素進(jìn)行分析，尋找出承包商融資的信用風(fēng)險(xiǎn)成因。 再次，根據(jù)本文構(gòu)建的承包商融資概念模型和對(duì)承包商融資信用構(gòu)成要素的分析，運(yùn)用信息沉淀、問(wèn)卷調(diào)查、帕累托圖等方法對(duì)承包商融資的信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)進(jìn)行三輪的識(shí)別和篩選，構(gòu)建出了承包商融資靜態(tài)信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系，為了驗(yàn)證指標(biāo)體系的有效性，運(yùn)用AMOS軟件進(jìn)行路徑分析，結(jié)果擬合效果良好。依據(jù)所構(gòu)建的靜態(tài)指標(biāo)體系和對(duì)路徑系數(shù)的分析，分解出承包商融資動(dòng)態(tài)信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系。 最后，對(duì)現(xiàn)階段使用較為廣泛的信用風(fēng)險(xiǎn)評(píng)價(jià)方法，從原理、優(yōu)缺點(diǎn)等方面進(jìn)行分析，結(jié)合本文所構(gòu)建的信用風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系，選擇熵權(quán)法和支持向量機(jī)作為承包商融資信用風(fēng)險(xiǎn)評(píng)價(jià)的方法，構(gòu)建出基于時(shí)間維的承包商融資信用風(fēng)險(xiǎn)評(píng)價(jià)模型，，從而實(shí)現(xiàn)對(duì)承包商融資信用風(fēng)險(xiǎn)的全過(guò)程評(píng)價(jià)。
[Abstract]:With the development of the clean-up of government financing platform, the financing of infrastructure projects becomes a difficult problem to be solved. Contractor in the construction industry is a core enterprise, rapid development has begun to have a certain financing capacity. The contractor's credit risk evaluation is the premise of the commercial bank to grant credit, in view of the characteristics of the construction industry, the commercial bank's business scope and professional limitations, At present, it is difficult for commercial banks to solve the problem of financing credit risk evaluation for construction contractors. It will be a developing trend for commercial banks to expand their business scope and find effective service paths by entrusting construction contractors with professional work such as financing credit risk evaluation and other professional work, based on the above understanding, Based on the research and analysis of the existing literature and research results, this paper defines the concept and function of the third party, and constructs the conceptual model of contractor financing based on the information asymmetry theory and the principal-agent theory. The index system and evaluation model of contractor financing credit risk evaluation are studied. Firstly, the literature and status quo of service outsourcing and financial service outsourcing are summarized and evaluated, and the concept of service outsourcing is analyzed. The concept of financial service outsourcing and business classification are defined and analyzed. On the basis of using game theory to discuss the necessity of introducing third party in financing business, the author analyzes the service object from the point of view of service object. The third party under the mode of financial service outsourcing is defined from three angles of service subject and service object, and the characteristics of the third party and the functions of the enterprise are expounded in detail. Secondly, Based on the theory of asymmetric information and principal-agent theory, this paper probes into the source of the outsourcing of financial services by commercial banks, and defines the contractor as the object of study. This paper discusses the feasibility of contractor financing from three aspects: the literature basis and the practice basis, and constructs the conceptual model of contractor financing by comparing the characteristics of project financing and supply chain finance. And the credit elements in the process of contractor financing are analyzed to find out the causes of the credit risk of contractor financing. Thirdly, according to the conceptual model of contractor financing and the analysis of the credit elements of contractor financing. By means of information precipitation, questionnaire survey, Pareto chart and other methods, the credit risk evaluation indexes of contractor financing are identified and screened for three rounds, and the static credit risk evaluation index system of contractor financing is constructed. In order to verify the effectiveness of the index system, the Amos software is used to analyze the path, and the fitting result is good. According to the static index system and the analysis of the path coefficient, the dynamic credit risk evaluation index system of contractor financing is decomposed. Based on the analysis of the advantages and disadvantages, combined with the credit risk evaluation index system constructed in this paper, entropy weight method and support vector machine are selected as the methods of contractor financing credit risk evaluation. The evaluation model of contractor's financing credit risk based on time dimension is constructed to realize the whole process evaluation of contractor's financing credit risk.
【學(xué)位授予單位】：天津理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F224;F832.2;F426.92

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