Y银行应收账款质押贷款业务中的风险评估与应用研究-工商管理专业论文.docxVIP

Abstract Abstract II II Abstract Since the reform of Chinese movable property guarantee system, the accounts receivable pledge has legal background, with the People’s Bank of China issued the “Measures For The Registration Of Pledge Receivables” and other supporting policies. On the one hand, this financing way has the great significance to reduce the economic constraints of the financing, which excessive reliance on the real estate mortgage for small and medium-sized enterprises. On the other hand, this financing way has the positive significance to improve the credit quality of bank and commercial, to expand the financing business scope of commercial bank. In practice, the Y bank has begun to promote the credit business which based on the pledge of accounts receivable from 2008.In recent years, we can see this kind of business development is rapid, but the amount of business is also smaller than the credit, the account has not really take the main functions of guarantee, the pledge of credit and assets are required to provide in pledge for loans. Because the risk management technology and scale of Y bank has not mastered, the practical experience of Y bank is weak. This thesis introduces the basic theory and method of accounts receivable pledge and risk assessment at first. Then it cards the Y bank accounts receivable pledge loan business situation, operation flow, risk management system and content. This thesis depth analysis the risk assessment model and application in the existing business of Y Bank, with combining the bad situation and successful case in the actual lending business of H company. It finds the effect about the existing model application to the accounts receivable pledge business of the bank. Y bank has established a set of accounts receivable risk assessment system, and applied in the pledge business. But in actual business, it still faces the case that If the risk management is too strict, it will has no business to do.