【摘要】：隨著金融市場和金融業(yè)務(wù)的不斷創(chuàng)新，供應(yīng)鏈金融業(yè)務(wù)也如火如荼的發(fā)展起來。供應(yīng)鏈金融業(yè)務(wù)不僅解決了中小企業(yè)資金缺乏的問題，也加強(qiáng)了核心供應(yīng)商對(duì)整個(gè)供應(yīng)鏈的把握，更為商業(yè)銀行批量開發(fā)客戶提供了便利、創(chuàng)造了新的利潤增長點(diǎn)。在供應(yīng)鏈交易中，處于強(qiáng)勢地位的供應(yīng)商旺旺要求零售商先款后貨，由于保兌倉融資模式能有效解決中小企業(yè)的預(yù)付款問題，文章選取保兌倉業(yè)務(wù)作為研究對(duì)象。 在保兌倉業(yè)務(wù)的發(fā)展過程中，也存在著一些問題制約其長期穩(wěn)定發(fā)展。一方面，供應(yīng)鏈金融系統(tǒng)的不協(xié)調(diào)會(huì)導(dǎo)致收益分配不合理；另一方面，商業(yè)銀行對(duì)保兌倉業(yè)務(wù)風(fēng)險(xiǎn)的評(píng)價(jià)缺乏有效的標(biāo)準(zhǔn)，導(dǎo)致逆向選擇和道德風(fēng)險(xiǎn)。 為了研究保兌倉的協(xié)調(diào)和商業(yè)銀行的風(fēng)險(xiǎn)評(píng)價(jià)，實(shí)現(xiàn)保兌倉業(yè)務(wù)的可持續(xù)發(fā)展，本文分別從收益共享契約、回購擔(dān)保和信用風(fēng)險(xiǎn)評(píng)價(jià)等方面進(jìn)行了研究。論文的主要工作如下：首先，在總結(jié)供應(yīng)鏈金融的概念及其實(shí)踐發(fā)展的基礎(chǔ)上全面分析了保兌倉業(yè)務(wù)的適用對(duì)象和運(yùn)作流程，并指出了保兌倉業(yè)務(wù)發(fā)展中存在的一些問題。其次，，研究分析了收益共享契約下保兌倉融資模式的協(xié)調(diào)及各參與方策略并與傳統(tǒng)貸款模式下對(duì)比。再次，進(jìn)一步在供應(yīng)商回購的基礎(chǔ)上研究了供應(yīng)鏈的協(xié)調(diào)及各方參與策略。最后，針對(duì)保兌倉業(yè)務(wù)的信用風(fēng)險(xiǎn)評(píng)價(jià)，運(yùn)用多級(jí)模糊評(píng)價(jià)法建立了保兌倉模式下信用風(fēng)險(xiǎn)評(píng)價(jià)體系，并用算例分析證明了以上體系的可操作性和適用性。
[Abstract]:With the continuous innovation of financial market and financial business, supply chain financial business is also in full swing. Supply chain financial business not only solves the problem of small and medium-sized enterprises' lack of funds, but also strengthens the core suppliers' grasp of the whole supply chain. It also provides convenience for commercial banks to develop customers in batches and creates a new profit growth point. In the supply chain transaction, Wangwang, a strong supplier, requires the retailer to pay first before goods. Because the confirmed warehouse financing mode can effectively solve the problem of small and medium-sized enterprises' advance payment, this paper selects confirmed warehouse business as the research object. There are also some problems in the development of confirmed warehouse business. On the one hand, the disharmony of the supply chain financial system leads to unreasonable distribution of income; on the other hand, the commercial banks' evaluation of the risk of confirmed positions lacks effective standards, which leads to adverse selection and moral hazard. In order to study the coordination of confirmed positions and the risk evaluation of commercial banks and realize the sustainable development of confirmed positions, this paper studies the income sharing contract, repurchase guarantee and credit risk evaluation respectively. The main work of this paper is as follows: firstly, on the basis of summarizing the concept of supply chain finance and its development in practice, this paper comprehensively analyzes the applicable object and operation process of the confirmed warehouse business, and points out some problems existing in the development of the confirmed warehouse business. Secondly, this paper analyzes the coordination of the confirmed position financing model under the revenue-sharing contract and the strategies of the participants and compares it with the traditional loan model. Thirdly, supply chain coordination and participation strategy are studied on the basis of supplier repurchase. Finally, for the credit risk evaluation of the confirmed warehouse business, a credit risk evaluation system under the confirmed warehouse model is established by using the multi-level fuzzy evaluation method, and the feasibility and applicability of the above system are proved by an example.
【學(xué)位授予單位】：重慶大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832;F274

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