商业银行保兑仓业务信用风险管理研究——以H银行为例-金融学专业论文.docxVIP

I I 摘 要 摘 要 商业竞争愈演愈烈的情况下，竞争方式已从单体竞争转向供应链间的竞争，核心企 业的供应链管理往往不能满足上下游企业的资金需求，供应链融资应运而生。供应链融 资有效的缓解了信息不对称、担保机制缺失等问题，不仅能解决中小企业融资问题，也 为商业银行开拓新的市场提供了机会，是商业银行加快转型的战略选择。保兑仓业务是 供应链融资的重要形式之一，各商业银行广泛开展保兑仓业务，面临着不容忽视的信用 风险。 本文为了研究保兑仓业务的信用风险管理，选用案例分析的实证方法，选取了 H 银 行对 Q 公司授信的保兑仓案例，通过案例研究来分析银行对供应链上企业的融资安排， 保兑仓业务面临的风险以及相应的信用风险管理手段，并提出 H 银行信用风险管理中存 在的问题，提出改进的建议。 案例首先通过介绍 H 银行对借款企业的融资安排分析出保兑仓业务可以给借款企 业带来杆杠效应，发展供应商销售渠道，同时提高银行竞争力。其次，从系统性信用风 险和非系统性信用风险两个方面分析案例中 H 银行面临的信用风险，结果表明，商业银 行在开展保兑仓业务时，面临行业、供应商、经销商、货物质量等多方面的信用风险。 再次，本文分析了 H 银行的风险缓释手段，包括对企业的审查和保兑仓业务制度的设置、 以及贷后管理措施，结果表明银行通过完善的信用风险管理体系可以有效的缓释信用风 险。最后，H 银行保兑仓业务的信用风险管理仍然存在一定问题，本文在选择仓储监管 机构、建立电子平台、以及借助衍生品等方面提出了建议。 关键词 供应链融资 保兑仓 信用风险 II II Abstract Abstract Business competition intensified, and the way of competition has shifted from individual competition to the competition between the supply chain. The supply chain management often cannot meet the funding needs of the upstream and downstream enterprises, so that supply chain finance emerged. Supply chain finance effectively mitigates a series of problems, such as information asymmetry, and the lack of the guarantee mechanism. Not only can it solve the financing problem of small and medium enterprises, but also provide the opportunities for commercial banks to develop new markets. It is a strategic choice of commercial banks to speed up transformation. Confirming warehouse business is one of the important forms of supply chain financing. Commercial banks extensive confirming warehouse operations, facing the credit risk which cannot be ignored. In order to study the credit risk management of confirming warehouse business, this paper chooses the empirical methods of case analysis, and selects H bank’s confirming warehouse business for Q company. Through case study, this paper analyzes the financing arrangements for the enterprises on the supply chain, and the credit risk of confirming warehouse business and the corresponding credit risk management measures. Then puts forward the problems of