摘要 I 摘要 在当今现代社会经济飞速发展下,广大中小企业在社会分工的大环境下联系地 越来越紧密了起来。随着“新经济”的模式的出现，各类企业的经营也随之进行着相 应的变化，这也在客观上给供应链金融业务提供了发展平台。企业在产业链的大 环境中，对资金的需求越来越大，融资也是企业的趋势。它涉及到了企业的采购、 销售、运行等各个方面。在实际操作中，大部分企业受到各方面因素的限制，融 资渠道并不畅通，同时对于融资的额度都到了很大的限制；传统的商业银行的融 资模式存在诸多弊端，带来很多贷款业务相对风险较多，使得商业银行发展受到 了许多阻碍。所以，商业银行的金融业务的转变势在必行。根据当前市场上中小 企业的需求，商业银行将单一的授信模式进行升级，开发多种业务模式。供应链 金融业务就是商业银行转型的重点，此业务不仅有很高的利润，同时又有广阔的 前景，有利于商业银行拓宽业务渠道，实现利润的增长。 本文将在理论与实践相结合的基础上，通过研究成都地区的地方商业银行供 应链融资风险管理，对其供应链金融风险识别、评价和应对的相关方面进行研究， 且与相关文献结合起来进行分析。首先，分析了CDN银行在近年来供应链融资风 险管理相关方面的现状，以供应链金融业务的风险管控理论为依据，逐步分析供 应链业务的风险管理的业务模式，以及风险分析流程和本文进行风险分析的相关 方法理论；其次，主要介了CDN银行供应链金融业务的基本情况及存在的问题， 得出供应链金融风险管理的必要性，为后面的研究奠定基础；再次，通过运用AHP 层次分析法分析的研究方式，重点对CDN银行的授信客户X汽车集团相关供应链 金融融资相关业务进行风险评估，以其上游供应商A企业对X汽车集团的应收账 款质押融资为例，并把风险识别出的三个层次指标进行评估与分析，构建基于该 应收账款供应链融资项目的风险评估体系。最后，针对CDN银行对该供应链融资 项目，提出来相应的风险应对措施和应对方法，以达到帮助商业银行在供应链融 资业务风险管理提供新的思路这一目的。 本文旨在通过分析CDN银行目前的供应链融资风险管理模式，结合自身 所在银行相关业务的知识和经验，对商业银行的供应链融资风险管理进行分析和 评价。并以现有的供应链融资项目相关数据进行分析整合，对主要风险项目进行 评估，为商业银行在今后应对供应链融资类似项目时，对风险的有效预防、规避、 补救提供相关的建议 摘要 II 关键词：供应链金融AHP法风险评估 ABSTRACT III ABSTRACT Withtherapiddevelopmentofmodernsocietyandeconomy,themajorityof smallandmedium-sizedenterprisesaremoreandmorecloselylinkedinthe environmentofsocialdivisionoflabor.Withtheemergenceof"neweconomy"mode, theoperationofvariousenterprisesisalsochangingaccordingly,whichalsoprovidesa developmentplatformforsupplychainfinancialbusinessobjectively.Inthe environmentofindustrialchain,enterprisesneedmoreandmorecapital.Financingis alsothetrendofenterprises.Itinvolvesthepurchase,sales,operationandotheraspects oftheenterprise.Inpracticaloperation,mostenterprisesarelimitedbyvariousfactors, thefinancingchannelsarenotsmooth,andtheamountoffinancingisverylimited;the traditionalfinancingmodeofcommercialbankshasmanydisadvantages,whichbrings manyrelativerisksofloanbusiness,andmakesthedevelopmentofcommercialbanks suffermanyobstacles.Therefore,thetransformationoffinancialbusinessof commercialbanksisimperative.Accordingtotheneedsofsmallandmedium-sized enterprisesinthecurrentmarket,commercialbankswillupgradeasinglecreditmodel anddevelopavarietyofbusinessmodels.Supplychainfinanceisthefocusofthe transformationofcommercialbanks.Thisbusinessnotonlyhasahighprofit,butalso hasabroadprospect,whichisconducivetobroadenthebusinesschannelsof commercialbanksandachieveprofitgrowth. Basedonthecombinationoftheoryandpractice,thispaperstudiestherisk managementofsupplychainfinancingoflocalcommercialbanksinChengdu,studies therelatedaspectsoftheidentification,evaluationandresponseofsupplychain financialrisk,andanalyzesthemwiththerelevantliterature.Firstofall,itanalyzesthe currentsituationofCDNbankinsupplychainfinancingriskmanagementinrecent years.Basedonthetheoryofriskmanagementandcontrolofsupplychainfinancial business,itgraduallyanalyzesthebusinessmodelofriskmanagementofsupplychain business,aswellastheriskanalysisprocessandtherelevantmethodsandtheoriesof riskanalysisinthispaper.Secondly,itmainlyintroducesthebasicsituationofCDN bank'ssupplychainfinancialbusinessAndtheexistingproblems,getthenecessityof supplychainfinancialriskmanagement,laythefoundationforthelaterresearch;thirdly, throughtheuseofAHPanalytichierarchyprocess,focusontheriskassessmentofthe ABSTRACT IV creditcustomerofCDNbankxautomobilegrouprelatedsupplychainfinancial financingrelatedbusiness,taketheupstreamsupplieraenterprise'spledgefinancingof accountsreceivableofXautomobilegroupasanexampleTheriskassessmentsystem basedonthereceivablessupplychainfinancingprojectisconstructedbyevaluatingand analyzingthethreelevelsofriskidentificationindicators.Finally,fortheCDNbankto thesupplychainfinancingproject,putforwardthecorrespondingriskresponse measuresandmethods,inordertohelpcommercialbanksinthesupplychainfinancing businessriskmanagementtoprovidenewideas. Thepurposeofthispaperistoanalyzeandevaluatethesupplychainfinancingrisk managementofcommercialbanksbyanalyzingthecurrentsupplychainfinancingrisk managementmodeofCDNbanks,combinedwiththeknowledgeandexperienceof theirownbank'srelevantbusiness.Inaddition,theexistingdataofsupplychain financingprojectsareanalyzedandintegratedtoevaluatethemainriskprojects,soasto providerelevantsuggestionsforcommercialbankstoeffectivelyprevent,avoidand remedyriskswhendealingwithsimilarprojectsofsupplychainfinancinginthefuture Keywords:supplychainfinance,AHP,riskassessment 目录 V 目录 第一章绪论...........................................................................................................................1 1.1选题背景..................................................................................................................1 1.2研究目的..................................................................................................................2 1.3供应链金融含义.....................................................................................................3 1.4研究方法与研究内容.............................................................................................3 1.4.1研究方法......................................................................................................3 1.4.2研究内容......................................................................................................4 第二章商业银行供应链融资理论研究.............................................................................5 2.1商业银行供应链融资模式介绍............................................................................5 2.1.1存货类融资..................................................................................................5 2.1.2应收账款类融资..........................................................................................6 2.1.3预付账款类融资..........................................................................................6 2.2商业银行风险管理理论概述................................................................................6 2.2.1商业银行风险的含义和分类.....................................................................6 2.2.2风险识别......................................................................................................7 2.2.3风险评估......................................................................................................7 2.2.4风险应对......................................................................................................8 2.3商业银行风险管理评价方法................................................................................9 2.3.1AHP风险评估模型基本概述.....................................................................9 2.3.2模糊综合评价............................................................................................10 第三章CDN银行X汽车销售集团供应链授信业务介绍...........................................11 3.1CDN银行及其供应链金融风险识别背景介绍................................................11 3.1.1发展现状....................................................................................................11 3.1.2供应链融资风险管理现状.....................................................................