供應鏈金融與金融創新銀行應收帳款之新型金融商品研究

Financial Supply Chain and Financial Innovation BankReceivables of New Financial Products Research

謝甲輝(Chia-Hui Hsieh) ； 賴鈺城(Yu-Cheng Lai) ； 曾郁珊(Yu-Shan Tsang)

《華人前瞻研究》 8卷1期 (2012/05) Pp. 41-61

https://doi.org/10.6428/JCTF.201205.0042

摘要

銀行應收帳款之新型金融商品，是一種金融創新。此種新型金融商品的研發，考量提供商品多樣化及顧客需求等，開辦應收帳款業務為時勢所需，且因金融自由化與國際趨勢，銀行必須要以國際化的觀念布局。透過新型金融商品應收帳款債權之轉移，企業客戶同步移轉當買方破產、倒閉、或無力支付貨款時之信用風險，當企業客戶有短期資金融通需求時，銀行提供應收帳款轉讓之預支價金融資服務，協助即時取得所需的營運週轉資金，讓業務拓展更加有效率。

關鍵字

應收帳款 ； 供應鏈金融 ； 金融創新

並列摘要

Bank receivables are new financial products as well as a financial innovation. The development of such new financial products, taking into consideration commodity diversification and customer demand, offering accounts receivable business for the times required, and in response to financial liberalization and international trends, banks are required to the layout of the concept of internationalization. Through the transfer of accounts receivable claims of new financial products, corporate clients synchronous transfer when the buyer bankruptcy and liquidation, or unable to pay the purchase price of credit risk, enterprise customers short-term liquidity needs, banks provide accounts receivable for sale advance the price of financial capital services to assist to obtain the required operating working capital on time, leading to business develop more efficient.

並列關鍵字

Bank Receivables ； FinanciaI Supply Chain ； FinanciaI Innovation