我国银行供应链金融风险管理与探究基于博弈分析角度.docxVIP

我国银行供应链金融风险管理与探究 ——基于博弈分析角度 张宇 辽宁大学经济学院 摘要： 与传统金融借贷业务相比，供应链金融具有借款条件宽泛、金融业务流程简单、 资金监管成本低等优势。在我国“互联网+”战略以及供给侧改革的背景下，银 行等传统金融机构更是将供应链金融作为转型的重要拼图，供应链金融因此成 为银行的核心发展业务。但是随着银行供应链金融业务的不断发展，供应链金融 的信用风险、法律风险、操作风险等问题逐-显现。再加上我国“互联网+”战 略不断深入实施，“互联网+供应链金融”的发展模式使得供应链金融风险的传 递性与影响性不断增大，因此探究银行供应链金融的风险产生原因及管理方法， 将有助于银行等金融机构的转型，有利于我国供应链金融的进一步发展。 关键词： 供应链金融;风险管理;互联网+;金融工程; 作者简介：张宇(1984-)，男，辽宁昌图人，博士研究生，研究方向：金融工 程。 收稿日期：2017-10-24 基金：国家社会科学基金项目(13CJL047) The Financial Risk Management and Inquiry of China s Banking Supply Chain——Based on the Game Theory ZHANG Yu Institute of Economics, Liaoning University; Abstract： Compared with the traditional financial lending business, supply chain finance has the advantages of broad loan conditions, simple financial business process, low cost of capital supervision. Especially in the In ter net plus strategic developme nt and supply side reform background, banks and other traditional financial institutions take the supply chain finance as an important puzzle of transformation, so supply chain finance become the core business development bank. However, with the continuous development of the supply chain f inance business, the credi t risk, legal risk and operational risk of the supply chain finanee appear one by one. And with the Internet plus strategy implementation deeply, ，，Intcrnct+ supply chain finance model make the transmission and impact of supply chain financial risk are increasing. Therefore, exploring the causes and management methods of the risk of bank supply chain f inance will be helpful to the transformation of banks, and is conducive to the further development of China s supply chain finance. Keyword： Supply chain finance; Risk marmgemenl; Tnternel plus; Financial engineering; Received： 2017-10-24 一、引言 供应链金融是在实体金融交易基础上所进行的创新金融服务，是一种基于实体 产业经济、现实的金融交易以及真实的合作关系而产生的新型金融融资模式，其 目的是通过在借贷双方Z间引入借贷计划、风险控制和资金监管等方式，提升产 业链内参与主体的运作效率，帮助供应链内上下游企业更好地盘活流动资产， 进而提高中小企业的信用水平日常运作效率，帮助中小企业拓宽融资渠道，解 决一系列融资难题。与传统金融借贷业务相比，供应链金融具有借款条件宽泛、 金融业务流程简化、资金监管成本低等优势，是目前