發(fā)布時間：2018-04-03 14:30

  本文選題：商業(yè)保理　切入點：風險管理　出處：《北京交通大學(xué)》2017年碩士論文

【摘要】：由于經(jīng)濟的飛速發(fā)展,社會對于商品的需求有所下降,賒銷問題逐漸凸顯出來,尤其是對于中小企業(yè),他們的資金流通機制不夠完備,因此對于外部的競爭環(huán)境的應(yīng)變能力較差,賒銷難以兌現(xiàn)將成為滯后其發(fā)展的重要原因。在這一情況下,中小企業(yè)對于銀行貸款有著極高的依賴,但是其自身條件限制了銀行對其的貸款,使得商業(yè)保理的具有較多客戶保證,發(fā)展空間較大。在2016年的政府工作會議上,李克強提出了我國未來的保理行業(yè)應(yīng)該遵循的新規(guī)。本文主要是希望通過降低保理公司的業(yè)務(wù)風險,促進保理公司的健康發(fā)展,進而為中小型公司的融資拓寬了渠道。這樣,我國的中小型企業(yè)就有了做大做強的資金保證,有利于我國市場經(jīng)濟體制的企業(yè)的有序發(fā)展,促進我國整體經(jīng)濟實力的增長。帶動我國的經(jīng)濟進步,增強我國企業(yè)在世界市場上的競爭力。本文對文章的理論基礎(chǔ)進行了闡述,包括商業(yè)保理的優(yōu)勢、風險管理理論,文章接著對H保理公司進行介紹,包括H保理公司的介紹、業(yè)務(wù)流程描述、限制H保理業(yè)務(wù)開展的主要因素等內(nèi)容。文章在第三四部分使用頭腦風暴以及菲爾德法對H商業(yè)保理公司的風險進行了識別,并使用層次分析法對商業(yè)保理業(yè)務(wù)風險進行了評估,最后針對評估結(jié)果提出應(yīng)對措施,初步建立了H保理公司的風險防范體系,建立了初步的可供內(nèi)部使用的項目指標評價表,并在一個項目進行實際的驗證,得到初步的可行驗證確認。
[Abstract]:Due to the rapid development of economy, the demand for commodities has declined, and the problem of credit sales has gradually become prominent. Especially for small and medium-sized enterprises, their capital circulation mechanism is not complete enough.Therefore, for the external competitive environment, the ability to adapt is poor, and the difficulty of credit sales will become an important reason for lagging behind its development.In this case, SMEs have a high degree of dependence on bank loans, but their own conditions limit the banks' loans to them, which makes commercial factoring have more customer guarantee and larger development space.At the 2016 government work conference, Li Keqiang proposed new rules for China's future factoring industry.This paper hopes to reduce the business risk of factoring companies, promote the healthy development of factoring companies, and then broaden the channels for the financing of small and medium-sized companies.In this way, the small and medium-sized enterprises of our country have the capital guarantee of becoming bigger and stronger, which is beneficial to the orderly development of the enterprises in the market economy system of our country, and promotes the growth of the whole economic strength of our country.Drive our country's economic progress, enhance our country's enterprises in the world market competitiveness.This article has carried on the elaboration to the article theory foundation, including the commercial factoring superiority, the risk management theory, the article then carries on the introduction to the H factoring company, including H factoring company's introduction, the business process description,Limiting H factoring business to carry out the main factors and so on.In the third and fourth part, we use brainstorming and field method to identify the risk of H commercial factoring company, and use AHP to evaluate the risk of commercial factoring business. Finally, some countermeasures are put forward to deal with the evaluation results.The risk prevention system of H factoring Company is established preliminarily, and a preliminary evaluation list of project indexes for internal use is established, and the actual verification is carried out in a project, and the preliminary feasible verification is obtained.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F272.3;F832.39

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