本文選題：信貸產(chǎn)品　切入點(diǎn)：船舶信貸　出處：《南京大學(xué)》2014年碩士論文

【摘要】：步入21世紀(jì)后,我國(guó)經(jīng)濟(jì)的快速發(fā)展促使船舶工業(yè)迅速成為支柱產(chǎn)業(yè),但是大量造船廠及船運(yùn)公司資金周轉(zhuǎn)能力的相對(duì)不匹配導(dǎo)致其資金鏈?zhǔn)Ш?在一定程度上限制了企業(yè)發(fā)展,而本文中船舶貸款產(chǎn)品的設(shè)計(jì)能有效緩解企業(yè)資金鏈?zhǔn)Ш鈫?wèn)題,從源頭上保障里下河地區(qū)船舶工業(yè)的平穩(wěn)發(fā)展。本文首先分析了國(guó)內(nèi)外信貸產(chǎn)品的研究現(xiàn)狀和我國(guó)船舶工業(yè)的宏觀環(huán)境,隨后整理了國(guó)內(nèi)船舶信貸產(chǎn)品的分類、構(gòu)成、特點(diǎn)及風(fēng)險(xiǎn)等,為我國(guó)船舶信貸產(chǎn)品的開(kāi)發(fā)和優(yōu)化提供了啟示。此后通過(guò)調(diào)查問(wèn)卷方式,隨機(jī)抽取泰州市海陵區(qū)和新區(qū)作為樣本調(diào)查船舶信貸產(chǎn)品的市場(chǎng)需求和實(shí)際情況,發(fā)現(xiàn)船舶信貸產(chǎn)品的需求、市場(chǎng)空間大,產(chǎn)品的實(shí)際使用不到位,產(chǎn)品種類單一,難以滿足船舶企業(yè)的需求,因此商業(yè)銀行有必要開(kāi)發(fā)相應(yīng)的船舶信貸產(chǎn)品。文章以海選指標(biāo)為研究基礎(chǔ),通過(guò)指標(biāo)的打分,權(quán)重的計(jì)算,初步篩選出客戶需求相關(guān)度較高的指標(biāo),在此基礎(chǔ)上繼續(xù)篩選出點(diǎn)度最高的幾項(xiàng)指標(biāo)作為銀行產(chǎn)品設(shè)計(jì)時(shí)的關(guān)鍵指標(biāo),同時(shí)利用上述關(guān)鍵指標(biāo)設(shè)計(jì)初步的授信方案。然后以XX銀行為例,運(yùn)用社會(huì)網(wǎng)絡(luò)分析法(SNA)等建立的關(guān)鍵指標(biāo)為其優(yōu)化了一款船舶貸款產(chǎn)品,添補(bǔ)了該銀行此方面的空白。文章最后對(duì)商業(yè)銀行如何推行船舶信貸產(chǎn)品、業(yè)務(wù)及優(yōu)化產(chǎn)品提出了展望和建議。本文的目的在于通過(guò)提出關(guān)鍵指標(biāo)分析進(jìn)而開(kāi)發(fā)、優(yōu)化商業(yè)銀行船舶信貸產(chǎn)品,在擴(kuò)充商業(yè)銀行船舶信貸產(chǎn)品種類的基礎(chǔ)上,對(duì)商業(yè)銀行船舶信貸產(chǎn)品的創(chuàng)新設(shè)計(jì)起到引導(dǎo)和啟示作用。日后的研究可以致力于深入研究和開(kāi)發(fā)商業(yè)銀行新的船舶信貸產(chǎn)品,同時(shí)也可以利用船舶信貸產(chǎn)品的業(yè)務(wù)數(shù)據(jù)對(duì)船舶信貸產(chǎn)品的運(yùn)行效果進(jìn)行更為深入的實(shí)證分析。
[Abstract]:After entering the 21st century, the rapid development of China's economy has prompted the shipbuilding industry to become a pillar industry, but the relative mismatch of the capital turnover capacity of a large number of shipyards and shipping companies leads to the imbalance of its capital chain. To a certain extent, the development of enterprises is restricted, and the design of ship loan products in this paper can effectively alleviate the imbalance of enterprise capital chain. Firstly, this paper analyzes the research status of domestic and foreign credit products and the macro environment of China's shipbuilding industry, and then collates the classification and composition of domestic ship credit products. The characteristics and risks provide enlightenment for the development and optimization of ship credit products in our country. After that, by means of questionnaire, we randomly select Hailing District and New area of Taizhou City as samples to investigate the market demand and actual situation of ship credit products. It is found that the demand for ship credit products has a large market space, the actual use of products is not in place, and the types of products are single, so it is difficult to meet the needs of shipping enterprises. Therefore, it is necessary for commercial banks to develop the corresponding ship credit products. On this basis, we continue to screen out several indicators with the highest vertices as the key indicators in the design of bank products, and at the same time, we use the above key indicators to design a preliminary credit scheme. Then taking XX Bank as an example, The key indexes established by the method of social network analysis (SNA) are used to optimize a ship loan product and fill the blank in this respect. Finally, the paper discusses how commercial banks carry out ship credit products. The purpose of this paper is to develop and optimize the ship credit products of commercial banks through the analysis of key indicators, and on the basis of expanding the types of ship credit products of commercial banks. It can guide and enlighten the innovative design of ship credit products of commercial banks. The future research can be devoted to the further research and development of new ship credit products of commercial banks. At the same time, we can use the business data of ship credit products to analyze the operation effect of ship credit products more deeply.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F426.474;F832.4

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本文編號(hào)：1671974