商业银行供应链金融风险管理分析-金融学专业论文.docxVIP

商业银行供应链金融风险管理研究 商业银行供应链金融风险管理研究 山西财经大学硕士毕业论文（设计） 山西财经大学硕士毕业论文（设计） 摘要 供应链金融是商业银行基于真实贸易背景以及对核心企业的信用等级、真 正实力的掌握，以核心企业为切入点，对供应链内部结构进行分析，将核心企 业和供应链的上下游企业联系在一起，给供应链的不同节点提供灵活运用金融 产品以及其他结算等服务的一种综合金融服务。它一方面能够优化商业银行业 务结构，改善商业银行盈利模式，提升商业银行竞争力；另一方面能够解决中 小企业融资困难的窘境，顺畅企业的资金流，增强供应链整体的竞争力。因此， 作为一种新型金融创新服务产品，供应链金融具有比较大的市场潜力，已经成 为 21 世纪特别是 2010 年以来商业银行业务拓展、互相竞争的极富潜力的新领 域。 本文通过理论与案例相结合的方法，首先从供应链金融以及风险管理的相 关理论研究、国内外发展现状入手，说明我国商业银行开展供应链金融业务的 重要意义和必要性；其次，从国际商业银行开展供应链金融业务的实践谈起， 总结并借鉴国际商业银行在供应链金融业务的发展以及风险管理方面的经验； 最后，通过介绍分析我国商业银行供应链金融业务的发展现状与风险管理，再 结合深圳发展（平安）银行的案例，对我国商业银行供应链金融风险管理提出 发展建议和策略。 【关键词】供应链金融 商业银行 风险管理 融资 I II II Abstract Supply Chain Finance is the commercial banks based on real trade background and core corporate credit rating, the real strength of the grasp of core enterprise as a starting point to analyze the internal structure of the supply chain upstream and downstream enterprises of the enterprise and supply chain links with different nodes of the supply chain to provide flexibility in the use of financial products and other settlement services, an integrated financial services. The one hand, it can optimize the business structure of the commercial banks, to improve the profitability of commercial banks mode to enhance the competitiveness of commercial banks； the other hand, can solve the dilemma of financing difficulties of SMEs, the smooth flow of funds of enterprises, enhance the overall competitiveness of the supply chain. Therefore, as a new financial and innovative service offerings, supply chain finance has a relatively large market potential, has become the 21st century, especially the highly potential new areas of commercial banking business since 2010 to expand and compete with each other. In this paper the method of combining theory and case, first of all start from the supply chain, financial and risk management theory and research and development in the world, indicating that Chinas commercial banks to carry out the significance and necessity of the