供应链金融的信用风险管理研究毕业论文
2021-03-19 21:58:24
摘 要
供应链金融是一种新型的金融融资服务,以核心企业为中心将供应链上下游的企业联系在一起,利用核心企业的信用水平和运营情况,与第三方物流企业合作,保障对物流、信息流、资金流的监管,为供应链各企业提供融资服务,为中小企业融资带来了新的解决途径。但是随着供应链金融业务的发展,其信用风险问题也随之显现,从而建立有效的信用风险评价指标体系和防范措置,减少风险的发生,降低损失则十分重要。
本文从供应链金融的概念理论性介绍入手,对供应链金融及其信用风险进行介绍。本文着重介绍供应链金融业务的识别和评价,建立了供应链金融topsis信用风险评价模型,同时将平安银行的案例导入该风险评价模型。最终从两个角度提出完善和管理供应链金融信用风险的对策和建议,希望可以对我国供应链金融的发展提供一定的参考与应用价值。研究表明对于商业银行建立供应链金融的信用风险评价体系,加强信用风险管理具有重要意义。本文特色在于运用topsis模型,可以系统的对于一系列企业进行信用排序,商业银行可以有效对比并把握各企业的信用等级情况,有助于商业银行形成自我完善的信用评价体系。
关键词:供应链金融;信用风险;topsis模型
Abstract
Supply chain finance is a kind of new financial financing services, centering on the core enterprise to supply chain upstream and downstream enterprises, using the core enterprise credit level and operation situation, with the third party logistics enterprise cooperation, security on the regulation of the logistics, information flow, cash flow, to provide financing services for various enterprises of supply chain, for the small and medium-sized enterprise financing brings new solutions.But with the development of supply chain finance business, its credit risk problem also emerges, so establishing effective evaluation index system of credit risk , guarding against freedom, reducing the happening of the risk and reducing loss are very important.
This paper introduces the concept theory of supply chain finance, and introduces the supply chain finance and its credit risk. This paper introduces the identification and evaluation of supply chain finance business, supply chain finance topsis credit risk evaluation model is established, at the same time will be the case of pingan bank import the risk evaluation model. Finally put forward the perfect and tube from two aspects of surface current supply chain of financial risk countermeasure and the suggestion, hoping to provide certain reference to the development of supply chain finance in our country and application value. The research shows that it is of great significance for commercial Banks to establish the credit risk assessment system of supply chain finance and strengthen credit risk management. Characteristics this paper lies in the application of topsis model can undertake credit ranking system for a series of enterprises, commercial Banks can effectively contrast and mastery of the credit rating of various enterprises, contributing to forming self perfect credit rating system of commercial bank.
Key words: Supply chain finance ;Creditrisk;Topsis model
目 录
第1章 绪论 1
1.1 研究的目的及意义 1
1.2 国内外相关研究综述 1
1.3 研究方法和内容 2
第2章 供应链金融及其信用风险理论概述 4
2.1供应链金融的基本理论 4
2.2供应链金融的信用风险管理理论 6
第3章 供应链金融的信用风险识别和评价 9
3.1供应链金融的信用风险识别 9
3.2供应链金融的信用风险评价指标体系的构建 10
3.3供应链金融的信用风险评价topsis模型的构建 12
第4章 供应链金融的信用风险防范与控制 15
4.1改善供应链金融“软实力” 15
4.2改善供应链金融“硬实力” 16
第5章 案例分析——平安银行 18
5.1平安银行简介 18
5.2 平安银行供应链金融的信用风险识别 18
5.3 平安银行供应链金融的信用风险评价 20
5.4 平安银行供应链金融的信用风险防范 22
结束语 23
参考文献 25
致 谢 26
第1章 绪论
1.1 研究的目的及意义
供应链金融业务在我国成长不久,最早是在2006年原深圳发展银行提出供应链金融的发展概念,为中小企业的融资问题提供了新的解决方式,建设贸易融资专业银行成为全行业务发展的重点 。但是对于此新型领域也存在一些问题,一方面由于我国商业银行供应链金融刚起步,商业银行对供应链金融业务的信用风险识别机制和评估体系并不完善,对供应链金融的信用风险防范存在安全隐患。另一方面信用风险是我国商业银行等金融机构开展金融业务所需面对的重要问题,加强我国商业银行供应链金融的信用风险管理对维护金融业持续、健康、稳定发展显得尤为重要。