摘要
产业链金融是以产业链为信用评估链条,通过设计合理的金融服务产品为产业链上企业解决融资困难。产业链金融区别于传统意义上的供应链金融,产业链金融鼓励处于产业链核心地位的集团企业积极主动为产业链上游、中游、下游的中小企业开展担保、保理等业务,有效解决这部分企业的融资压力。但是随着经济全球化进程的不断加快,产业链的业务分工越来越精细化,参与的行业、企业越来越多,随之而来的产业链金融风险评估愈发复杂。本文对产业链金融业务的基本定义和优势特征展开论述,综合分析了财务公司基于产业链金融业务的风险评估,在此基础上,从全流程风险管控、构建产业链全流程金融小组、构建金融管理系统多个角度提出了产业链金融业务风险的管控措施,具有一定的理论和实践参考价值。
Industry chain finance takes the industry chain as the credit evaluation chain and solves the financing difficulties for enterprises in the industry chain by designing reasonable financial service products.Industry chain finance is quite distinct from traditional supply chain finance.Industry chain finance encourages group enterprises in the core position of the industry chain to actively carry out guarantee and factoring services for small and medium-sized enterprises in the upstream,middle and downstream of the industry chain,effectively solving the financing pressure of these enterprises.However,with the continuous acceleration of economic globalization,the business division of the industrial chain is becoming more and more refined,and more and more enterprises are involved in the industry chain,and the consequent financial risk assessment of the industrial chain is becoming more and more complex.This paper discusses the basic definition and advantages of industrial chain financial business,and comprehensively analyzes the risk assessment of financial companies based on industrial chain financial business.Based on this,it puts forward the management and control measures of industrial chain financial business risk from the perspectives of the whole process risk management and control,the construction of industrial chain whole process financial team and the construction of financial management system,which has certain theoretical and practical reference value.
作者
刘蒙
LIU Meng(Sinotruk Finance Co.,Ltd.Jinan,Shandong 250100)
出处
《中国商论》
2022年第15期95-98,共4页
China Journal of Commerce
关键词
产业链金融
财务公司
风险管控
策略
industry chain finance
financial company
venture control
strategy
