浙商銀行供應(yīng)鏈金融業(yè)務(wù)中的企業(yè)信用風(fēng)險管理研究摘要

供應(yīng)鏈金融是在供應(yīng)鏈上實現(xiàn)資金流轉(zhuǎn)和風(fēng)險共擔(dān)的金融服務(wù)模式。作為其中的核心環(huán)節(jié)之一，企業(yè)信用風(fēng)險管理是供應(yīng)鏈金融的重要組成部分。浙商銀行在供應(yīng)鏈金融領(lǐng)域取得了顯著的成效，其供應(yīng)鏈金融業(yè)務(wù)在市場上處于領(lǐng)先地位。本論文將從浙商銀行的角度出發(fā)，研究其在供應(yīng)鏈金融業(yè)務(wù)中的企業(yè)信用風(fēng)險管理。

本文主要分為四個部分，分別為緒論、企業(yè)信用風(fēng)險管理的概述、浙商銀行的企業(yè)信用風(fēng)險管理實踐和對實踐的總結(jié)和展望。緒論主要是對供應(yīng)鏈金融和企業(yè)信用風(fēng)險管理的相關(guān)概念做一個簡要的說明，以便于后續(xù)的分析。企業(yè)信用風(fēng)險管理的概述包括了信用管理的意義、組成和實踐原則等。浙商銀行的企業(yè)信用風(fēng)險管理實踐主要分為內(nèi)部管理和對客戶的管理兩個方面，分別對應(yīng)著風(fēng)險管理的監(jiān)督和控制、以及對供應(yīng)鏈各方風(fēng)險的評估和控制等措施。最后，對其實踐進(jìn)行總結(jié)的同時，也會展望其未來的發(fā)展方向。

本論文的研究結(jié)果顯示，浙商銀行在企業(yè)信用風(fēng)險管理方面的實踐是比較完備和有效的，其采取了多種措施來降低風(fēng)險提高風(fēng)險抵御能力，這些措施既可以確?？蛻粜枰玫綕M足，同時又不失重點風(fēng)險控制。另外，隨著社會和經(jīng)濟(jì)的發(fā)展，以及技術(shù)的進(jìn)步，未來的企業(yè)信用風(fēng)險管理還將呈現(xiàn)出多元化和智能化的趨勢。

關(guān)鍵詞：供應(yīng)鏈金融、企業(yè)信用風(fēng)險管理、浙商銀行、實踐、展望

Abstract

Supplychainfinanceisafinancialservicemodelthatachievescapitalflowandrisksharingalongthesupplychain.Asoneofitscoreelements,enterprisecreditriskmanagementisanimportantpartofsupplychainfinance.ZhejiangChouzhouCommercialBank,alsoknownasZhejiangMerchantsBank,hasachievedremarkableresultsinthefieldofsupplychainfinanceanditssupplychainfinancialbusinessisinaleadingpositioninthemarket.ThispaperwillstudyitsenterprisecreditriskmanagementinthefieldofsupplychainfinancefromtheperspectiveofZhejiangMerchantsBank.

Thisarticleismainlydividedintofourparts,namelytheintroduction,anoverviewofenterprisecreditriskmanagement,thepracticalapplicationofZhejiangMerchantsBank'senterprisecreditriskmanagement,andasummaryandoutlookofitsimplementation.Theintroductionmainlyprovidesabriefexplanationoftherelevantconceptsofsupplychainfinanceandenterprisecreditriskmanagementforsubsequentanalysis.Theoverviewofenterprisecreditriskmanagementincludesthesignificance,composition,andprinciplesofcreditmanagement.ZhejiangMerchantsBank'senterprisecreditriskmanagementpracticeisdividedintointernalmanagementandcustomermanagement,correspondingtoriskmanagementsupervisionandcontrol,andriskassessmentandcontrolmeasuresforallpartiesinvolvedinthesupplychain,respectively.Finally,whilesummarizingitspractice,thispaperalsooutlinesthedevelopmentdirectionofenterprisecreditriskmanagementinthefuture.

TheresearchresultsofthispapershowthatZhejiangMerchantsBank'senterprisecreditriskmanagementpracticeisrelativelycompleteandeffective.Ithasadoptedvariousmeasurestoreducerisksandimproveriskresilience,whichcanensurethatcustomerneedsaremetwithoutlosingfocusonriskcontrol.Moreover,withthedevelopmentofsociety,economy,andtechnology,thefutureenterprisecreditriskmanagementwillalsobecomemorediverseandintelligent.

Keywords:supplychainfinance,enterprisecreditriskmanagement,ZhejiangMerchantsBank,practice,outloo。Asmentionedearlier,ZhejiangMerchantsBankhasimplementedaneffectivesupplychainfinancesystemtomanageenterprisecreditrisk.Thissystemallowsthebanktoofferfinancialservicestobothsuppliersandbuyersinthesupplychain,whichnotonlyhelpssmallandmedium-sizedenterprisestoobtainthenecessaryfundingbutalsoimprovesthecreditmanagementofthewholesupplychain.Byofferingfinancingbasedonthecreditworthinessofthebuyerandthequalityofthegoods,thebankminimizesitsriskswhileensuringtheneedsofbothpartiesaremet.

Inadditiontosupplychainfinance,ZhejiangMerchantsBankhasalsoestablishedacomprehensivecreditriskmanagementframeworkthatincludesmeasuressuchascreditriskassessment,creditlimitmanagement,andcreditmonitoring.Thisframeworkhelpsthebanktoevaluateitsclients'creditworthinessandtoassesstherisksassociatedwithlendingtothem.Bysettingcreditlimitsbasedontheclient'sriskprofileandmonitoringtheircreditworthinessregularly,thebankcaneffectivelymanageitscreditrisk.

Lookingahead,enterprisecreditriskmanagementwillcontinuetoevolveassociety,economy,andtechnologydevelop.Oneofthemainchallengesofcreditriskmanagementisdetectingandpredictingriskevents.Machinelearning,bigdataanalytics,andartificialintelligence()canhelpbankstodevelopmoreaccurateandefficientriskmodelsbyanalyzingvastamountsofdataandidentifyingpatternsthathumananalystsmaymiss.Thiswillhelpbankstodetectearlywarningsignalsandrespondmorequicklytopotentialrisks.

Moreover,theemergenceofnewtechnologiessuchasblockchainandtheInternetofThings(IoT)willenablemoresecureandtransparenttransactions,whichcanreducecreditriskbyensuringtheintegrityofthetransactiondata.Blockchain,inparticular,canbeusedtoestablishasecureandtamper-proofrecordoftransactions,increasingtrustbetweenpartiesandreducingthelikelihoodoffraud.

Inconclusion,ZhejiangMerchantsBankhasadoptedarangeofeffectivemeasurestomanageenterprisecreditrisk,includingsupplychainfinance,creditriskassessment,creditlimitmanagement,andcreditmonitoring.Withthecontinueddevelopmentoftechnology,thefutureofenterprisecreditriskmanagementwillbeevenmorediverseandintelligent,enablingbankstobettermanagetheirrisksandmeettheevolvingneedsoftheirclients。Furthermore,inordertoeffectivelymanageenterprisecreditrisk,ZhejiangMerchantsBankhasalsoestablishedariskmanagementsystem.Thissystemallowsthebanktoidentify,assess,andcontrolvarioustypesofriskssuchascreditrisk,marketrisk,operationalrisk,andreputationalrisk.Byimplementingthisriskmanagementsystem,thebankisabletostrengthenitsriskcontrolcapabilities,reducetheoccurrenceofrisks,andprotectthebank'sinterestsandthoseofitsclients.

Moreover,thebankrecognizestheimportanceofcontinuouslearningandimprovementinordertostayaheadofthecurveintheconstantlyevolvingfinancialindustry.Assuch,ZhejiangMerchantsBankhasestablishedadedicatedriskmanagementresearchinstitute.Thisinstituteconductsresearchandanalysisonvariousformsofriskandriskmanagementtechniques,andprovidesvaluableinsightstothebankinformulatingriskmanagementstrategiesandpolicies.

Inadditiontotheabovemeasures,ZhejiangMerchantsBankhasalsodevelopedacomprehensivecompliancemanagementsystem.Thissystemensuresthatthebankanditsoperationscomplywithrelevantlaws,regulations,andindustrystandards.Byfollowingtheseregulationsandstandards,thebankisabletomaintainitscredibility,enhanceitsreputation,andminimizetheriskoflegalandregulatorysanctions.

Overall,ZhejiangMerchantsBank'sapproachtoenterprisecreditriskmanagementiscomprehensiveandeffective,coveringvariousaspectslikeriskassessment,creditmanagement,riskcontrol,compliancemanagement,andcontinuousimprovement.Byadoptingthesemeasures,thebankisabletoleverageitsstrengthsandcapabilitiesandeffectivelymanagecreditrisk,enablingittoprovidebetterfinancialservicestoitsclientsandcontributetothedevelopmentoftheoverallfinancialindustry。Intermsofriskassessment,ZhejiangMerchantsBankutilizesarangeofmethodsandtoolstoevaluatethecreditworthinessofitsclients,suchasfinancialanalysis,creditrating,andindustryresearch.Thebankalsoregularlyreviewsandupdatesitscreditriskpoliciesandguidelinestoensuretheyremaineffectiveandrelevanttothechangingmarketandregulatoryenvironment.

Creditmanagementisanotherimportantaspectofthebank'sapproachtoenterprisecreditriskmanagement.ZhejiangMerchantsBankhasimplementedacomprehensivesystemformanagingthecreditlifecycle,fromoriginationtocollection,tominimizecreditlosseswhilemaximizingcreditopportunities.Moreover,thebankhasestablishedasoundcreditculturethatemphasizesriskawareness,clientfocus,andethicalbehavior.

Riskcontrolisanessentialcomponentofthebank'screditriskmanagementframework.ZhejiangMerchantsBankemploysarangeofmeasurestomitigatecreditrisk,suchassettingappropriatecreditlimits,monitoringcreditexposure,andestablishingeffectivecollateralmanagementsystems.Thebankalsohasrobustinternalcontrolandriskmonitoringmechanismsinplacetodetectandrespondtocreditrisksinatimelymanner.

CompliancemanagementisalsoanintegralpartofZhejiangMerchantsBank'screditriskmanagementstrategy.Thebankadherestoallrelevantlaws,regulations,andindustrystandardsgoverningcreditriskmanagement,andhasestablishedacompliancesystemthatencompassesbothinternalandexternalcompliancerequirements.Thebankalsoensuresthatitsclientsareincompliancewithrelevantregulationsandstandards,therebyreducingtheriskofcreditlossesduetonon-compliance.

ContinuousimprovementisakeyprincipleofZhejiangMerchantsBank'sapproachtoenterprisecreditriskmanagement.Thebankregularlyreviewsandupdatesitsprocessesandsystemstoensuretheyremaineffectiveandefficient,andseekstoincorporatenewtechnologiesandbestpracticesintoitscreditriskmanagementframework.Moreover,thebankseekstolearnfromitsexperiencesandtheexperiencesofothersintheindustrytocontinuallyimproveitscreditriskmanagementcapabilities.

Inconclusion,ZhejiangMerchantsBank'sapproachtoenterprisecreditriskmanagementiscomprehensiveandeffective,coveringvariousaspectslikeriskassessment,creditmanagement,riskcontrol,compliancemanagement,andcontinuousimprovement.Byadoptingthesemeasures,thebankisabletoleverageitsstrengthsandcapabilitiesandeffectivelymanagecreditrisk,enablingittoprovidebetterfinancialservicestoitsclientsandcontributetothedevelopmentoftheoverallfinancialindustry。Intermsofriskassessment,ZhejiangMerchantsBankhasestablishedacomprehensiveriskassessmentmodel,whichassessesborrowers'creditworthinessbasedonvariousfactorssuchasfinancialstatements,marketcompetition,andmanagementcapabilities.Thebankalsoconductsregularindustryresearchandcreditanalysistobetterunderstandmarkettrendsandidentifypotentialrisks.

Inlinewithitsriskassessmentmodel,ZhejiangMerchantsBankhasimplementedarobustcreditmanagementsystem,whichincludesmeasuressuchascreditreview,loanapproval,andcollateralmanagement.Thebankhasalsoestablishedclearcreditpoliciesandprocedures,whichareregularlyreviewedandupdatedtoensureadherencetoregulatoryrequirements.

Inaddition,ZhejiangMerchantsBankhasimplementedarangeofriskcontrolmeasurestomitigatecreditrisk,includingriskdiversification,creditlimitcontrols,andcollateralcoveragerequirements.Thebankalsohasastructuredriskmanagementframework,whichincludesriskidentification,riskmeasurement,andriskmonitoring,toensurethatrisksareidentifiedandmanagedeffectively.

Inordertoensurecompliancewithregulatoryrequirements,ZhejiangMerchantsBankhasestablishedacompliancemanagementsystem,whichincludesmeasu