长沙银行电子商务企业信用贷款风险管理研究
II
摘要
长沙银行股份有限公司是长沙市财政控股下的城市商业银行，为更好的服务
本土企业，适应市场多元化的融资需求，长沙银行针对在淘宝、天猫、京东等成
熟电商平台上从事B2B、B2C电子商务经营的商户而设计开发的信用贷款产品，
有利于缓解长沙地区电子商务企业融资难的问题
本文希望通过对长沙银行股份有限公司电子商务企业的信用贷款风险管理研
究，借助国内外同行业风险管理的相关理论，结合长沙银行自身经验累积的风险
控制的能力，将电商企业的数据流(商品流、物流、资金流、信息流)转换为银行
认可的信用，分析客户的经营情况、偿债能力、未来发展趋势，通过对电子商务
企业融资风险的研究，制定电子商务企业贷款风险管理方案。首先，对当前电子
商务企业贷款风险管理研究进行梳理，特别是国内商业银行对其管理的现状进行
分析，提出当前研究和应用中存在的问题和可以进一步研究的方向；其次，以电
子商务企业风险管理的理论基础为基点，结合商业银行特别是长沙银行股份有限
公司的特点，深入分析该行电子商务企业信用贷款风险管理的难点和原因。同时
针对分析出的难点和原因，引进国内外同行业的先进管理模式，结合长沙银行股
份有限公司现有风险管理模式，设计长沙银行股份有限公司电子商务企业风险管
理方案。随后将方案应用到该行的实际案例当中，并对预期效果进行评估
本文的研究成果对长沙银行股份有限公司发展电子商务企业信用贷款有较强
的实践价值，同时值得类似规模和战略定位的商业银行借鉴
关键词：长沙银行；电子商务企业；信用贷款；风险管理；数据流
工商管理硕士学位论文
III
Abstract
Bank of Changsha is a commercial bank under the financial holding of Changsha
City. In order to better serve local enterprises and meet the diversified financing
needs of the market, Changsha Bank is engaged in the design and development of
credit products facing B2B business in Taobao, Tmall, Jingdong and other mature
business platforms, B2C e-commerce business operators, to ease the problem of
financing difficulty of e-commerce enterprises in Changsha area.
This thesis aims to study credit risk management of credit loan of Bank of
Changsha to e-commerce enterprises, with related risk management theories of
domestic and foreign industries, combined with its own experience of risk control
ability. It transfers the business enterprise data flow (e.g. goods flow, logistics,
capital flow and information flow) into the bank approved credit, to analyze customer
operation ability, solvency, and future trend of development. Through the research on
financing risk management of e-commerce enterprises, it develops measurements of
e-commerce business loans approval. First, the current research on risk management
of e-commerce business loans were reviewed, especially the present situation of the
management of domestic commercial banks is analyzed. It puts forward the existing
problems in the current research and application and the direction of further research.
Second, based on theories of e-commerce business risk management, it analyzes the
difficulties and causes of the credit management of the e-commerce enterprises loans
in the light of the characteristics of commercial banks, especially Bank of Changsha.
At the same time for the analyzed difficulties and reasons, it introduces advanced
management models of domestic and foreign banks. Combined with the existing risk
management model of Bank of Changsha, it designs e-commerce business risk
management scheme for Bank of Changsha. Subsequently, the scheme is applied to
the actual case of the bank, and the expected effect is evaluated.
The research results of this thesis is of strong practical value for the development
of credit loan of e-commerce enterprises by Bank of Changsha, and it is worthwhile
for commercial banks with similar scale and strategic positioning.
Key words: Bank of Changsha; e-commerce enterprise; credit loan; risk management;
data flow
长沙银行电子商务企业信用贷款风险管理研究
IV
目录
学位论文原创性声明和学位论文原创性声明 ........... I
摘要II
Abstract ........III
插图索引 ...... VI
附表索引 ..... VII
第1章 绪论 ........... 1
1.1 研究背景与意义 ..........1
1.1.1 研究背景 ...1
1.1.2 研究意义 ...1
1.2 理论基础与文献综述 ..2
1.2.1 理论基础 ...2
1.2.2 文献综述 ...6
1.3 研究内容和方法 ..........8
1.3.1 研究内容 ...8
1.3.2 研究方法 ...8
第2章 长沙银行电子商务企业信用贷款风险管理现状 .... 10
2.1 长沙银行股份有限公司概述10
2.1.1 基本情况简介 ...... 10
2.1.2 业务发展情况 ...... 12
2.2 电子商务企业信用贷款业务概述 ..... 15
2.2.1 电子商务企业的融资现状 .......... 15
2.2.2 企业信用贷款业务发展现状 ...... 17
2.3 长沙银行对电子商务企业信用贷款风险管理难点探究 ...... 18
2.3.1 授信额度的核定 .. 18
2.3.2 交易数据的真实性的核实 .......... 20
2.3.3 过度授信风险的管理 ...... 21
2.3.4 互联网思维的培养 .......... 22
2.4 难点成因分析24
2.4.1 电子商务企业方面因素 .. 24
2.4.2 电子商务平台方面因素 .. 26
2.4.3 商业银行方面因素 .......... 27。。。。。。