财务公司内部转结算业务的研究.pdfVIP

财务公司内部转账结算业务的研究 晏斌 2005 年4 月 摘要 作为非银行金融机构的中国石化财务公司 依托企业集团内部天然的上中下 游企业产品链条的关系 开展内部转账结算业务七年来取得了许多宝贵的经验 中国石化财务公司具有一套完整而且行之有效的内部转账结算操作流程和结算 系统 然而相应理论层面上的总结研究由于受多方面条件制约一直不够深入 本 文试图界定内部转账结算业务涉及的一些重要概念诸如内部转账结算 结算贷款 等的科学涵义 在此基础上试图归纳总结内部转账结算业务的运行规律 比如内 部转账结算业务开展的条件和原则 区别于银行结算的重要特征 财务公司金融 创新品种的结算贷款的运行原理和运行规律 最后本文对内部转账结算业务的现 存问题与发展方向进行了分析并提出了建议 中图分类号 F83 关键词 财务公司 内部结算 金融创新 II Research of Internal-Settlement of Financial Company YANBIN April 2005 Abstract Depend ing on the inter- group product chain, Sinopec Financial Company, a non-bank financial institution, has built a group of effective operation systems and regulations . It has operated the internal-settlement business for 7 years. Neverthe less, internal-settlement theories cannot follow the steps in practice for many reasons. This paper tries to explain several important concepts related to the business of internal-settlement, such as inter-group settlement and inter-settlement loan, etc. It hopes to build inter-settlement models in theory, such as conditions and principles of inter-settlement, substantial characters different between bank settlement, rules of inter-settlement loan. Lastly, it analyzes some of the existing problems of inter-settlement business of financial companies and also gives out recommendations correspondently. JEL Classification: G29 Key Words: financial company; internal settlement; financial innovation III