自我国加入WTO以来，银行业竞争加剧。在互联网背景下，互联网供应链金 融的迅速发展，通过与核心企业“捆绑”的方式，为中小企业融资拓展了融资渠 道，亦为中小银行创造了良好的发展契机。近年来，在财政部、中国人民银行的 引导下，互联网供应链金融迅速发展，商业银行亦从其自身风险偏好、经营理念 等，开展互联网供应链金融模式的探索，尤其是加强风险管理与控制，旨在服务 好中小企业的同时，确保信贷资金的安全。 ZZ银行是国内一家地方法人机构，属于中小规模，在业务发展过程中面临着 瓶颈，围绕供应链上下游企业的痛点与难点，推出了“五朵云”产品，是集云交 易、云融资、云物流、云商、云服务为一体的互联网供应链融资服务，然而在推 进过程中难免遇到困难与风险点。基于此，在对互联网供应链金融相关文献梳理 及基础理论梳理的基础上，采用案例分析法引入ZZ银行的互联网供应链业务， 采用层次分析法（AHP）构建风险评价指标体系并展开定性与定量结合的方法进 行风险评估，并据此提出具体的应对策略。随着互联网供应链金融模式的发展， 未来风险管理措施将趋于智能化、与物流企业合作更为紧密、服务方案呈现多样 化，由此，风险控制更需要全面展开，通过邀请专家进行风险指标评价，得出利 率风险、外生风险、失真风险是关键性指标，需要予以重点关注，防范引发系统 性风险。互联网供应链金融的发展是商业银行转型的必然趋势，通过对ZZ银行 互联网供应链业务的风险控制展开研究，提出要有效防范信用、操作风险，构建 风险预警机制，实现动态地对供应链金融业务进行跟踪，防范风险，旨在帮助ZZ 银行及国内地方性法人银行提升互联网供应链金融业务的风险管理能力，实现自 身业务的创新升级。 关键词：互联网供应链金融；中小银行；风险控制；案例分析 昆明理工大学专业学位硕士学位论文ZZ银行互联网供应链金融业务模式及风险控制研究 II Abstract SinceourcountryjoinsWTO,thecompetitionofbankingindustryintensifies.In thecontextoftheInternet,therapiddevelopmentofInternetsupplychainfinancehas expandedthefinancingchannelsforsmallandmedium-sizedenterprisesandcreated goodopportunitiesforsmallandmedium-sizedBanksby"bundling"themwithcore enterprises.Inrecentyears,undertheguidanceoftheMinistryofFinance,thePeople's BankofChina,theInternetrapiddevelopmentofsupplychainfinance,commercial Banksalsofromitsownriskpreference,suchasbusinessphilosophy,explorationof theInternetfinancialmodelofsupplychain,especiallytostrengthenriskmanagement andcontrol,designedtoservesmallandmedium-sizedenterprisesatthesametime, ensurethesafetyofcreditfunds. ZZBankisaplacewhereadomesticinstitutionalinvestor,belongtosmalland medium-sized,facingabottleneckintheprocessofbusinessdevelopment,aroundthe painpointsanddifficultpointsofupstreamanddownstreamenterprisesofthesupply chain,introducedthe"fivecloud"product,isfinancingtransactionsofcloud,thecloud, cloud,cloud,cloudlogisticsservicesupplychainfinancingservicesfortheintegration oftheInternet,howeverdifficultenoughindifficultyandriskintheprocess.Basedon this,thesupplychainoftheInternetfinancialrelatedliteraturecardingandthebasic theoryonthebasisofcombing,usingcaseanalysis,theintroductionofZZBank Internetsupplychainbusiness,usinganalytichierarchyprocess(AHP)toconstructthe riskevaluationindexsystemandthecombinationofqualitativeandquantitativerisk assessmentmethod,andaccordinglyputsforwardconcretestrategies.Alongwiththe developmentoftheInternetfinancialmodelofsupplychain,thefuturerisk managementmeasureswilltendtobemoreintelligent,cooperatemorecloselywith logisticsenterprises,diversifiedservice,thus,riskcontrolneedmoreinfullswing, evaluatingindicatorsofriskbyinvitingexperts,itisconcludedthattheinterestrate riskandexogenousrisk,distortionriskisacriticalindex,needtofocuson,prevent systemicrisk.Internetthedevelopmentofsupplychainfinanceistheinevitabletrend inthetransformationofcommercialBanks,throughtheInternetofZZBankssupply chainbusinessriskcontrolstudy,putforwardtoeffectivelyguardagainstcredit, operatingrisk,constructionofriskearlywarningmechanism,implementationof 昆明理工大学专业学位硕士学位论文ZZ银行互联网供应链金融业务模式及风险控制研究 III supplychainfinancebusinessdynamicallytracking,riskprevention,aimedathelping toboosttheInternetBankofZZanddomesticlocallegalpersonbankrisk managementabilityofsupplychainfinancebusiness,achievetheirbusinessinnovation toupgrade. Keywords:Supplychainfinance;Smallandmedium-sizedBanks;Riskcontrol;Case analysis 昆明理工大学专业学位硕士学位论文ZZ银行互联网供应链金融业务模式及风险控制研究 i 目录 摘要.........................................................................................................................I Abstract.......................................................................................................................II 第一章绪论.................................................................................................1 1.1研究背景及意义..............................................................................1 1.1.1研究背景................................................................................1 1.1.2研究意义...............................................................................1 1.2国内外研究现状............................................................................2 1.2.1国外研究现状......................................................................2 1.2.2国内研究现状......................................................................3 1.2.3研究评述...............................................................................5 1.3研究思路及方法............................................................................5 1.3.1研究思路...............................................................................5 1.3.2研究方法...............................................................................6 1.4创新之处.........................................................................................7 第二章相关概念及理论基础..................................................................8 2.1互联网供应链金融概述.................................................................8 2.1.1供应链金融的含义...............................................................8 2.1.2互联网供应链金融的界定..................................................8 2.1.3互联网供应链金融的融资模式..........................................9 2.2互联网下供应链金融业务特点..................................................12 2.2.1互联网供应链金融电子化................................................12 2.2.2互联网供应链金融数据化................................................12 2.2.3互联网供应链金融平台化................................................12 2.3相关理论.......................................................................................13 2.3.1博弈论.................................................................................13 2.3.2信息不对称理论................................................................13 2.3.3贸易自偿性理论................................................................14 2.4风险和风险管理理论...................................................................14 2.4.1风险与风险管理的概念....................................................14 昆明理工大学专业学位硕士学位论文ZZ银行互联网供应链金融业务模式及风险控制研究 ii 2.4.2风险管理流程.....................................................................14 第三章ZZ银行互联网供应链金融业务模式及其解析.........................17 3.1ZZ银行概况..................................................................................17 3.1.1ZZ银行简介.......................................................................17 3.1.2ZZ银行企业贷款业务开展情况.......................................18 3.2ZZ银行互联网供应链金融业务发展来由.................................19 3.2.1传统金融业务操作流程....................................................20 3.2.2互联网供应链金融业务发展历程....................................21 3.2.3ZZ银行发展互联网供应链融资业务的意义...................22 3.3ZZ银行互联网供应链融资业务模式.........................................24 3.3.1保理融资“贷款“模式....................................................24 3.3.2信转票模式........................................................................27 3.3.3保证金模式........................................................................