商业银行供应链金融应收账款模式的风险控制研究——基于A行融资产品的分析与启示

随着中国金融市场竞争愈加激烈,商业银行纷纷把目光集中在中小企业的融资问题上,供应链金融由此应运而生。本文在借鉴已有相关成果的基础上,以A行针对X企业不同的经营模式设计的供应链金融产品为例,从供应链金融的应收账款模式出发,系统分析A行供应链金融产品的设计、实施及风险控制措施,基于案例分析,提出商业银行供应链金融顺利实施的关键是既要发挥核心企业的主导作用,又要降低其道德风险、加强对供应链企业的动态风险监控、加强贷后跟踪管理体制。

Study on Risk Control of the Supply Chain Finance Receivables Mode for Commercial Banks: An Analysis Based on the Financing Products of Bank A and Its Implications

With the ever-increasing fierce competition in chinese finance market, commercial banks are shifting their focus to SMEs＇ financing problems, which leads to the emergence of supply chain finance. In light of previous research, this paper takes the supply chain finance products de- veloped by Bank A for the different business models of Company X as an example, systematically analyzes the design, implementation and risk control of the products from the point of the ac- counts receivable mode for supply chain finance. Based on the case study, this paper suggests that the key to the success of supply chain finance for commercial banks is to play a leading role in a core business, and to reduce the moral risk by both enhancing dynamic risk monitoring of sup- ply chain enterprises and strengthening the post-loan tracking management system.