【摘要】：當(dāng)前,在國內(nèi)外履行《巴塞爾協(xié)議Ⅲ》的要求,以及國內(nèi)監(jiān)管對銀行業(yè)的監(jiān)督管理、資本約束力度一再提高的背景下,銀行業(yè)通過合法途徑所進(jìn)行的金融創(chuàng)新越發(fā)重要,未來改革的大方向主要集中在增加盡量少利用甚至不利用資本的中間業(yè)務(wù)在銀行盈利中的比例。根據(jù)資本協(xié)議對不同風(fēng)險權(quán)重的規(guī)定,貿(mào)易融資項目的權(quán)重僅占傳統(tǒng)信貸業(yè)務(wù)的20%,其本身所具有的低資本消耗的特性,也確實緩解了銀行內(nèi)源資本的問題,有利于緩解商業(yè)銀行資本補充的壓力,勢必會成為未來銀行的發(fā)展重點。良好的供應(yīng)鏈融資模型,可以為供應(yīng)鏈上下游的中小企業(yè)融資提供良好的解決方案。目前,中小企業(yè)在我國經(jīng)濟(jì)發(fā)展中起著重要的作用,但由于國內(nèi)金融支持體系的不健全,廣大中小企業(yè)普遍存在融資難、貸款難的問題,供應(yīng)鏈融資模型有效地解決了這一類問題,并從一定程度上實現(xiàn)風(fēng)險的有效規(guī)避,達(dá)到銀行與企業(yè)的雙贏。本文從供應(yīng)鏈融資管理的基本理論知識出發(fā),介紹了供應(yīng)鏈融資、供應(yīng)鏈融資相關(guān)產(chǎn)品。并以PA銀行(原S銀行)供應(yīng)鏈融資管理為例,分析供應(yīng)鏈融資的發(fā)展及風(fēng)險,并最終著眼于供應(yīng)鏈融資風(fēng)險管理。結(jié)合供應(yīng)鏈融資風(fēng)險管控的相關(guān)知識,探索股份制商業(yè)銀行在目前外部經(jīng)濟(jì)形勢復(fù)雜的前提下,如何更好的通過供應(yīng)鏈融資化解風(fēng)險,并為管理者提供建議,通過銀行發(fā)展轉(zhuǎn)型和創(chuàng)新性產(chǎn)品,在有效規(guī)避風(fēng)險的同時,促使銀行整體健康快速發(fā)展。全文第一章闡述了研究的背景和意義;第二章具體介紹了供應(yīng)鏈融資相關(guān)概念、供應(yīng)鏈融資產(chǎn)品;第三章介紹了PA銀行供應(yīng)鏈融資發(fā)展?fàn)顩r;第四章在供應(yīng)鏈融資風(fēng)險評價的基礎(chǔ)上,借助典型案例,從供應(yīng)鏈融資的三種業(yè)務(wù)模式出發(fā),分析不同業(yè)務(wù)模式所面臨的風(fēng)險,并在此基礎(chǔ)上,將PA銀行供應(yīng)鏈融資與傳統(tǒng)融資方式進(jìn)行SWOT分析;最后,從商業(yè)銀行供應(yīng)鏈融資全面風(fēng)險管理的角度提出了具體的措施和建議。
[Abstract]:At present, under the background of fulfilling the requirements of Basel III at home and abroad, the supervision and management of the banking industry and the capital constraint, the financial innovation carried out by the banking industry through legal channels is becoming more and more important. The main direction of future reform is to increase the proportion of intermediate business that uses little or no capital in bank profits. According to the provisions of the capital agreement on different risk weights, the weight of trade financing projects is only 20% of the traditional credit business, and its own characteristics of low capital consumption have really alleviated the problem of endogenous capital in banks. To ease the pressure of capital replenishment of commercial banks, it is bound to become the development focus of banks in the future. A good supply chain financing model can provide a good solution for SMEs financing upstream and downstream of the supply chain. At present, small and medium-sized enterprises play an important role in the economic development of our country. However, due to the unsound domestic financial support system, the vast number of small and medium-sized enterprises generally have the problems of difficult financing and difficult loans. The supply chain financing model solves this kind of problem effectively, and realizes the risk effectively to a certain extent, achieves the win-win situation between the bank and the enterprise. Based on the basic theory of supply chain financing management, this paper introduces supply chain financing and supply chain financing related products. Taking the supply chain financing management of PA Bank (formerly S Bank) as an example, this paper analyzes the development and risk of supply chain financing, and finally focuses on supply chain financing risk management. Based on the knowledge of supply chain financing risk management, this paper explores how joint-stock commercial banks can better resolve risks through supply chain financing under the premise of complex external economic situation, and provide advice to managers. Through the development of transformation and innovative products, banks can effectively avoid risks and promote the healthy and rapid development of the bank as a whole. The first chapter describes the background and significance of the research; the second chapter introduces the related concepts of supply chain financing, supply chain financing products, the third chapter introduces the development of PA bank supply chain financing; On the basis of the risk evaluation of supply chain financing, the fourth chapter analyzes the risks faced by different business models from the three business models of supply chain financing with the help of typical cases, and on this basis, The SWOT analysis of PA bank supply chain financing and traditional financing method is carried out. Finally, the concrete measures and suggestions are put forward from the point of view of comprehensive risk management of supply chain financing of commercial banks.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F275;F274

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