商业银行供应链融资及风险控制分析——以xy银行应收账款融资业务为例-analysis on supply chain financing and risk control of commercial banks - taking xy banks accounts receivable financing business as an example.docxVIP

摘 摘 要 万方数据 万方数据 摘 要 随着社会经济的不断进步，中小企业在经济中发挥着越来越重要的作用。由 于中小企业自身的实力不够，财务状态不清晰，资信级别不够，商业银行一般不 对中小企业提供融资服务。资金的短缺成为了中小企业发展的绊脚石。目前商业 银行传统的融资授信业务不能解决其融资难问题。商业银行一般选择资信好、规 模大的大型企业提供融资服务。如何解决中小企业融资难问题成为了一个亟待解 决的问题。供应链融资作为商业银行的一种新型融资模式，为中小企业提供了新 的融资渠道。供应链融资业务中，银行不再仅仅关注单个企业的资信财务情况， 而是更看重链上企业之间的真实贸易关系，把中小企业与核心企业进行信用捆 绑，提高中小企业信用。供应链融资业务需要银行对供应链关系进行审核，通过 审核后给予中小企业融资授信，为中小企业设计具体融资方案的一种综合融资业 务。 本文主要分为六个部分，第一部分为文章的绪论部分；第二部分为文章的理 论基础；第三部分，对供应链融资发展现状进行描述；第四部分，对 XY 银行客 户 X 公司“应收账款供应链融资解决方案”进行案例分析；第五部分，提出完 善银行应收账款供应链融资业务的建议；最后是论文的结论及展望。 本文通过案例研究法与文献研究法对供应链融资业务进行研究。通过研究， 本文得出如下结论：第一，供应链融资业务能够为中小企业的融资难问题提供新 的融资渠道。第二，供应链融资业务可以为银行找到了一种创新型融资业务，为 银行创造新融资产品提供新思路。但同时，在融资过程中，银行需要对供应链融 资流程进行风险管理，以保证融资业务的顺利开展。 关键词：供应链融资；应收账款融资；风险控制 I Ab Abstract Abstract With the development of social economy, medium and small-sized enterprises play a more important role in economy. The commercial banks won’t offer financing business for medium and small-sized enterprises because their lack of strength, clear financial situation and high credit grade. So far the traditional financing credit business of commercial banks can’t solve these enterprises’ difficulty in financing. The commercial banks usually offer financing service for some large enterprises which have good credit standing. How to solve medium and small-sized enterprises’ difficulty in financing becomes a critical problem. As a new financing pattern of the commercial banks, supply chain financing provides a new financing channel for medium and small-sized enterprises. In this pattern, banks focus not only on a certain enterprise’s credit standing and financial situation, but more on the real trade relations between these enterprises which are on the chain. In order to improve the credit grade of medium and small-sized enterprises, banks put them and the core enterprises together in credit tied. After the verification of supply chain relations, banks offer financing credit business for medium and small-sized enterprises. This article is divided into six p