【作者】 周敏；

【导师】 操君； 沈光斌；

【作者基本信息】 安徽农业大学 ， 金融硕士（专业学位）， 2024， 硕士

【摘要】 为解决中小企业融资难、融资贵问题,优化金融资源配置,促进实体经济发展,近年来,在政府支持和各方推动下,我国供应链金融迅速发展。A公司是一家专业的供应链金融公司,主要为医疗健康、新能源汽车、建筑行业等上下游供应链企业提供服务,在满足中小企业融资需求的同时,自身也不断发展壮大。由于供应链金融业务相较于传统信贷业务,参与主体更加多元,业务模式更加多样,风险管理的难度和复杂性大大增加,A公司在快速发展的同时,也面临一系列风险,因此,加强业务风险管理十分必要。本文通过分析研究A公司供应链金融业务开展及风险管理情况,旨在找出供应链金融风险管理存在的问题及问题成因,并提出加强和改进风险管理的对策举措。首先,梳理了A公司供应链金融业务的代理采购、代理销售和商业保理三类模式,对其风险识别、评价、控制等流程进行了分析阐释。其次,借鉴相关学者的研究经验,结合A公司实际情况,提出了市场风险等4个一级风险因素、宏观经济环境等12个二级风险因素、地区经济增长率等36个三级风险因素。随后,结合专家评价,运用层次分析法,确定各个风险因素权重;采用模糊综合评价法,对A公司的供应链金融业务风险进行评价,发现A公司的供应链金融业务存在很大风险。最后,从风险管理的意识、手段、体系、人才等四个方面对风险管理问题的原因进行了剖析,并提出了包括开展宏观经济研究、建立科学的风险评价指标体系、加强投资管理、建立风险操作目录、完善业务流程等对策建议。本文的研究可为专业的国有供应链金融公司加强风险管理提供借鉴,也可为金融监管等政府部门制定有关政策提供参考。更多还原

【Abstract】 In recent years,with the support of the government and the promotion of various parties,China’s supply chain finance has developed rapidly to solve the problems of difficult and expensive financing for small and medium-sized enterprises,optimize the allocation of financial resources,and promote the development of the real economy.Company A is a professional supply chain finance company that mainly provides services to upstream and downstream supply chain enterprises such as healthcare,new energy vehicles,and construction industries.While meeting the financing needs of small and medium-sized enterprises,it also continues to grow.Due to the fact that supply chain finance business is more diverse in participants and business models compared to traditional credit business,the difficulty and complexity of risk management have greatly increased.While A company is developing rapidly,it also faces a series of risks.Therefore,strengthening business risk management is very important.This article analyzes and studies the development and risk management of Company A’s supply chain finance business,aiming to identify the problems and causes of supply chain finance risk management,and propose countermeasures to strengthen and improve risk management.Firstly,the three types of models in Company A’s supply chain finance business,namely agency procurement,agency sales,and commercial factoring,were sorted out,and their risk identification,evaluation,and control processes were analyzed and explained.Secondly,four types of primary risk factors such as market risk,12 secondary risk factors such as macroeconomic environment,and 36 tertiary risk factors such as regional economic growth rate were proposed.Subsequently,combined with expert evaluation,the AHP was used to determine the weights of each risk factor;Using the fuzzy comprehensive evaluation method,the risk of A company’s supply chain finance business was evaluated,and it was found that A company’s supply chain finance business has significant risks.Finally,the reasons for risk management issues were analyzed from four aspects: awareness,means,system,and talent.Suggestions were put forward,including conducting macroeconomic research,establishing a scientific risk evaluation index system,strengthening investment management,establishing a risk operation directory,improving business processes.This study can provide reference for professional state-owned supply chain finance companies to strengthen risk management,as well as for government departments such as financial supervision to formulate relevant policies.更多还原