【摘要】：在賒銷逐漸成為國際貿(mào)易主流結(jié)算方式的金融背景下，我國中小型出口企業(yè)應(yīng)收賬款大量積壓，，且具有零散、單筆金額小的特征，結(jié)合我國商業(yè)銀行的投資需求與中小型出口企業(yè)流動資金緊張的現(xiàn)狀，筆者認(rèn)為出口應(yīng)收賬款池融資作為一項創(chuàng)新的供應(yīng)鏈融資模式是解決中小型出口企業(yè)資金流動性不足的最完美的方式，應(yīng)該在我國的商業(yè)銀行中大力推廣。為了證明該融資模式的優(yōu)越性，本文采用了文獻(xiàn)研究法和案例分析法來分析出口應(yīng)收賬款池融資的具體運作模式和其創(chuàng)新的風(fēng)險控制措施。通過文獻(xiàn)研究和國外大型金融機構(gòu)的經(jīng)驗借鑒為本文的論證奠定理論基礎(chǔ)；通過分析Z銀行為H企業(yè)量身定制的出口應(yīng)收賬款池融資方案展現(xiàn)出該融資模式在運作設(shè)計上的謹(jǐn)慎性和周密性，此外，除了自償性貿(mào)易融資評級體系和電子商務(wù)平臺等常見的風(fēng)險防控方式，該融資模式還采用了創(chuàng)新的風(fēng)險控制原理——大數(shù)法則和鎖箱安排，將風(fēng)險控制在商業(yè)銀行能夠承受的范圍內(nèi)，大大提高銀行的盈利能力。因此，出口應(yīng)收賬款池融資不僅為我國中小型出口企業(yè)提供了全新的融資渠道，同時也為我國商業(yè)銀行增加了新的盈利途徑，值得在我國金融行業(yè)進行大力推廣。
[Abstract]:Under the financial background that credit gradually becomes the mainstream settlement method of international trade, the accounts receivable of small and medium-sized export enterprises in our country have a large amount of backlog, and have the characteristics of scattered and small amount of money. Combined with the investment needs of commercial banks in China and the current situation of the shortage of liquidity in small and medium-sized export enterprises, The author thinks that as an innovative supply chain financing mode, the export accounts receivable pool financing is the most perfect way to solve the lack of liquidity of small and medium-sized export enterprises, and should be popularized in commercial banks of our country. In order to prove the superiority of this financing model, this paper uses the literature research method and the case analysis method to analyze the concrete operation mode of export accounts receivable pool financing and its innovative risk control measures. Through the literature study and the experience of foreign large financial institutions to establish a theoretical basis for this argument; Through the analysis of the export accounts receivable pool financing scheme tailored by Z Bank for H enterprise, it shows that the financing mode is careful and careful in operation design. In addition to common risk prevention and control methods such as self-compensated trade finance rating systems and e-commerce platforms, the financing model also uses innovative risk control principles-the principle of large numbers and locking arrangements. To control the risk within the scope of commercial banks can greatly improve the profitability of banks. Therefore, the export accounts receivable pool financing not only provides a new financing channel for our small and medium-sized export enterprises, but also adds a new profit way for our commercial banks, which is worth promoting in the financial industry of our country.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F830.42

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本文編號：2260929