商业银行供应链金融模式及业务风险管理研究-国际贸易学专业论文.docxVIP

PAGE PAGE 5 摘 要 伴随着产业组织模式的不断发展演变，供应链金融作为一种商业银行的业务 创新应运而生。而目前我国供应链金融大致可以分为两大类：一类是以商业银行 为代表的借助客户资源、资金流等传统信贷优势介入并开展业务的银行供应链金 融，而另一类则是以阿里巴巴、京东商城等为代表的电子商务企业凭借物流、信 息流、商务流方面的优势通过建立平台或成立小额贷款公司形式实现的线上（互 联网）供应链金融。 本文首先对供应链金融业务的发展历史进行了回顾，分析了供应链金融的特 点，介绍了目前国内外的供应链金融业务的发展现状，以及我国商业银行供应链 金融业务所存在的问题。通过对运作模式的深入研究以及各大银行尤其是具有先 行者优势的深发展、民生、中信银行的业务模式的研究，然后力求在供应链金融 模式创新提出自己的可行性建议。 随着商业银行融资业务的开展走向纵深，如何正确、科学、合理地评价供应 链金融业务中融资企业信用风险，已成为亟待解决的问题。本文着力于从商业银 行传统风险管理的模式、供应链融资模式下风险的主要特征、综合信用风险评价 指标体系的确立以及运用模型评价企业融资四个方面来分析研究。论文利用主层 次因子分析法以及 Logit 模型进行实证分析，这也是对能够找到准确性高的商业 银行供应链金融业务信用风险评估方法做简单的尝试，并在此基础上提出有针对 性的供应链金融信用风险管理的合理性建议。 关键词：供应链金融；信用风险评价；业务模式；综合评价体系； Abstract Along with the development of the industrial organization, Supply Chain Finance（SCF）, as an innovation of commercial bank business, emerged. The SCF can be roughly divided into two categories in China. One is the traditional SCF provided by commercial banks, based on their superiorities on customer resources, capital flow and traditional credit advantages. The other is the Internet SCF provided by the e-commerce enterprises, such as Alibaba, Jingdong Mall, in form of online SCF platform or small loan companies, based on their excellence in logistics, information and businesses. In this dissertation, a review of the development of the SCF is presented and the current condition of this business in home and abroad is introduced. In addition, the characteristics and value of SCF as well as the existing problems of SCF are analyzed. And I explain the relation between SCF and the Integration of Commerce and Finance (ICF) as ―SCF enriches the content of ICF, and ICF extends the frontier of SCF‖. Furthermore, I analyzed the impact of Internet of Finance on traditional SCF. With the commercial banks launching of the financing business, how to properly,scientific and reasonable evaluate the supply chain finance credit risk of finance corporate has become an urgent problem. This article focused on the analysis from four aspects, they are the deve