摘要
供应链融资作为一种结构性短期融资工具,是对传统流动资金贷款的升级和细化,与传统的信贷产品相比,具有高流动性、短期性、重复性、准入门槛低和审批流程快等特点,因而越来越被广泛使用。然而,由于供应链融资业务参与主体多、链条长、环节多、监控难,可能导致商业银行在供应链融资业务中面临供应链断裂风险、道德风险、操作风险、动产质押风险、产品开发和推广风险及法律风险等,本文在分析这些风险及产生原因的基础上提出了相应的防控对策。
As a short-term structural financing tool,supply-chain financing business is upgrading and specifying of traditional current loans business.Compared with traditional credit business,it has many advantages,such as high liquidity,short term,repeatability,easy accessibility and short process of examination and approval,etc.Therefore,supply-chain financing has been widely used.However,because supply-chain financing business with the characteristics of the more participants,long chain,more links and difficult supervision,it probably brings commercial banks a series of risks,including the supply chain breakup risk,moral hazard,operation risk,real estate mortgage risk,and product development and promotion risk,as well as legal risk,etc.Based on the analysis on the risks and causes of risks,this essay put forward corresponding control measures.
出处
《企业经济》
CSSCI
北大核心
2011年第12期172-174,共3页
Enterprise Economy
关键词
商业银行
供应链
融资
风险控制
commercial bank
supply-chain
financing
risk control
