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Research On The Financing Application And Risk Of Commercial Banks To Small And Medium-sized Enterprises Under The Supply Chain Finance Model

Posted on:2018-01-07Degree:MasterType:Thesis
Country:ChinaCandidate:X J NiuFull Text:PDF
GTID:2359330515457437Subject:Accounting
Abstract/Summary:PDF Full Text Request
The financing service under the mode of supply chain finance is of great significance to increase the financing channel of SME(small and medium-sized enterprises)and reduce the cost of financing.Also,supply chain financial services exist risks that can't be ignored.Based on this,this paper starts with the concept,characteristics and basic operation mode of supply chain,further understanding the various operational methods and the risks of supply chain financial activities,and tries to give the risk management measures.As a basic context,this paper is divided into six chapters,The first and two chapters illustrate the significance and purpose of the research on the basis of the development of SMEs and the current situation of supply chain finance;The third chapter analyzes the current domestic supply chain finance mainly includes three modes;The fourth chapter,the fifth chapter and the sixth chapter respectively discuss the main application,the risk point and the risk control means of the financing of the three modes based on the three modes of supply chain finance.This paper argues that SME in the supply chain financial model of the main financing methods,including accounts receivable financing,inventory financing,prepaid financing and electronic order financing and large data credit financing which produced in the rapid development of e-commerce.And each financing in the specific operation of the process have their unique risk points and risk control method.Such as the risk of accounts receivable financing mainly exists in the authenticity of accounts receivable,financing services in the process must strengthen the audit of accounts receivable and earmarked as far as possible;the main risks of the inventory financing model are derived from the monitoring of inventory and the change of market value.Therefore,it is very important for the good cooperation of the logistics company and the choice of pledged goods.The prepayment financing mainly exists in the form of financing for the settlement,and the production level and the product quality of the core enterprise are greatly affected by the financing of the settlement warehouse,which should be concerned.The risk of electronic order financing and large data financing is mainly due to false transactions and false data,so first of all need to pay attention to the accuracy of the data,can start from the closed-end transaction,at the same time need to strengthen the platform with the electricity business,logistics cooperation between enterprises.In addition to the risk of each financing,the financing risk of small and medium-sized enterprises in the supply chain financial model is also a lot of commonality.This paper mainly analyzes the credit risk,market risk and operational risk.In the aspect of credit risk,this paper argues that we can control the cash flow and establish the credit rating mechanism,and give my own opinions on the credit risk assessment content framework and the credit rating scoring table in practical application.Market risk,the main can be controlled by the control of the pledge rate to prevent,and also can use financial derivatives to reduce the risk of possible losses;Operational risk can be controlled by strengthening the moral quality of staff and the construction of information systems.Finally,this paper takes A bank as an example to analyze the practical application of supply chain finance in financing and wind control.In summary,this paper mainly analyzes the financing application of small and medium-sized enterprises in the supply chain financial model,and gives the suggestions in the main financing risk and control means.But the specific process of practice to be more complex,and some other risk factors such as legal risk did not discuss in this article.
Keywords/Search Tags:SME(Small and medium-sized enterprises), supply chain financial, financing risk, risk control
PDF Full Text Request
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