泛亚电竞

船舶预付款保函助力船舶行业复苏

来源:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 《金融&贸易》2018年第4期 作者:李冰
无论从历史规律还是从多方数据来看,船舶行业很可能处于这一个下降周期的底部震荡期。银行应加强行业研究,注意把握行业周期,以前瞻性视角提前布局,选择适当的时机积极介入。

chuanboxingyeshiguojiazhuangbeizhizaoyedezhongyaozuchengbufen,duiyushuishangjiaotongyunshu、haiyangnengyuankaifa、guofangfanyadianjing、tishengyiguozongheshilijuyouzhongyaoyiyi。tongshi,zuoweiyixiangzonghexingchanye,chuanboxingyekeyouxiaodaidongxiangguanchanyedefazhan。chuanbojiaoyizhongyouyuqibiaodewuzaojiagao、jianzaozhouqizhang、diyukuadudadengteshuxing,qiduiyinxingdengjinrongjigoudezhichijuyouhengaodeyilaixing。muqian,quanqiuchuanboxingyeyijingchengxianchufusujixiang,qiejinnianyilai,fanyadianjingguogongxinbu、fagaiweidengbumenluxufabucujinhaiyanggongchengfanyadianjingjituidonghaiyangjingjifazhanjinrongfanyadianjingdezhidaoxingwenjian,weiyinxingyuchuanboxingyedehezuogongyingdiandinglelianghaodeshichangyuzhengcehuanjing。

zaiyinxingweichuanboxingyetigongdejinrongfanyadianjingzhong,chuanboyufukuanbaohanshizuichangjianyeshizuizhongyaodejinronggongju,youyuchuanboxingyejubeijiaoqiangdezhuanyexingtedian,chuanboyufukuanbaohanxiangjiaoputongdeyufukuanbaohanyecunzaizheyixiechabie。chuanboyufukuanbaohanshiyinxingyuchuanchangzhijianhezuode“qiaomenzhuan”,yibaohanweiqijikaizhanhezuo,jianlibicizhijiandexinrenguanxihou,keyijixuyanshenzhizaochuanqiyeshangyou,weiqiyetigongxiangyingdezhifujiesuanjirongzixuqiu,yucitongshi,yekeweiqiyepeitaoyuanqijieshouhui、lilvdiaoqi、qiquanzuhedewaihuizijinyanshengchanpin,yiguibihuilvfengxian。benwencongyizeshijianlichufa,duichuanboxingyejiyufukuanbaohandexiangguangainianjiyingyongjinxingjieshao,bingduiyinxingyuzaochuanchangzaibanliyufukuanbaohanyewuzhongxuyaozhuyidewentijinxingyixietishi。

案例介绍

泛亚电竞 azaochuanchangyubchuanwugongsiqianshuzaochuanhetong,yuedingachangweibgongsijianzaonsoujizhuangxiangchuan。anzhaohetongyueding,bgongsiduimeisouchuanboanzhaojiedianxiangazhifuyufukuan,tongshi,achangxiangbgongsitigongyinxingchujudeyufukuanbaohan。

weijianqingfukuanyali,bgongsixiangczulingongsishenqingbanlirongzizulin,czulingongsizhenduimeisouchuanshelidanchuangongsi,youdanchuangongsixiangachangzhifubaqiyufukuanjiweikuan,bgongsizaizulinhetongxiafuzujinjidanchuangongsi,zuqijiemanhouqudechuanbosuoyouquan。achangxiangdyinxingluxushenqingkaijuchuanbobaohan,zaibyucjidanchuangongsiqianshuzhuanrangxieyihou,bxiangdyinxingshenqingjiangyufukuanbaohanzhuanrangzhidanchuangongsi。

案例分析

qiyi,lejiechuanboyufukuanbaohan

chuanbozhizaoxingyejuyouhaoshizhang、zijintourudadetedian,duiyuzaochuanchanglaishuo,zaijiaochuanqianxuyaodianfujuezijin,erruguozuizhongchuandongyouyuzhongzhongyuanyinqichuanhuozhejubuzhifukuanxiang,zaochuanchangkenenghuimianlinjiaodadesunshishenzhiyinfapochanfengxian。yinci,zaochuanchanghuiyaoqiuchuandongzaichuanbojianzaoguochengzhongyufuyibufenzijin,yifangmianhuanshishangshuqingkuangzaochengdesunshi,lingyifangmianyehuanjieleshengchansuoxudezijinyali。raner,zaichuanbojiaofuqian,chuanbodesuoyouquanrengshuyuzaochuanchang,yidanchuanbochuxianzhiliangwentihuozhechifu,huozhechuxianzaochuanchangweifanhetongyizhichuandongbuyuanjiechuanshi,chuandongjiukenengmianlin“caiwuliangkong”defengxian。yinci,chuandongcunzaiyudaoshangshuqingkuangshinenggouzhuihuiyijingtourudeyufuzijindexuqiu,chuanboyufukuanbaohanyingyunersheng。

泛亚电竞 suoyi,chuanboyufukuanbaohanyouchengweichuanboyufukuantuikuan/haikuanbaohan,baohanshenqingrenweizaochuanchang,beidanbaorenweizaochuanchangzishenhuozhidingdefenchang,danbaorenweiyinxing,shouyirenweichuandong,danbaodeshirufashengbeidanbaorenweifanhetongdexingweishi,shouyirenyouquanxiangyinxingshenqingtuihuiyizhifujibeidanbaorendeyufukuan。

dangran,yishangsuoshushichuanbobaohandejibenjiegou,zaishijizhong,wangwangyouyuzijinbuzu、bishuihuochuyuqitakaolv,baohandebeidanbaoren、shouyirendengzhutijianghuifashengbianhua,birufashengchuanchangjiandejianbingshougou、yinruchuanchangrongzipingtai、yinrurongzizulingongsideng。

qier,lejiechuanborongzizulin

泛亚电竞 zaishijiyunyongzhong,youyuchuanbozaojiagao,henduoqingkuangxiachuandongxuyaotongguorongzishouduanjiejuefukuanxuqiu,chuanborongzizulinchengweichuanborongzidezhongyaoqudaozhiyi。

泛亚电竞 chuanborongzizulin,gumingsiyi,shiyichuanboweizulinwuderongzizulin,shizhichuzuren(zulingongsi)genjuchengzuren(chuandong)deyaoqiu,xiangchengzurenzhidingdezaochuanchanggoumaichuanbobingzujichengzurenshiyong,chengzurenxiangchuzurenfenqizhifuzujin。zaizulinqinei,chuanbodesuoyouquanshuyuzulingongsi,zuqijieman,chengzurenyijingzhifulequanbukuanxianghuozhezhifuyibimingyiweikuanhou,jihuodelechuanbodesuoyouquan。

泛亚电竞 yibanlaishuo,chuyufengxiangelihuojieyueshuikuandekaolv,chuandonghuizhenduimeiyisouchuansheli“danchuangongsi”,jizhiyongyouyisouchuandegongsi,chulezheisouchuanzhiwaizaiwuqitazichan。zaiyinrurongzizulindemoshizhong,danchuangongsiyourongzizulingongsisheli,jiweirongzizulindespvgongsi,shizulingongsiduitedingzulinwu(chuanbo)jinxingzulinyunyingerzhuanmenshelidegongsi,meiyijiaspv(danchuangongsi)duiyingyibizulinhetong,jinduiyisouchuanbokaizhanrongzizulinyewu,bingshixingdanduguanli、danduhesuan。

jiuxiangsuoyourongzizulinyiyang,chuanborongzizulindehaochufeichangmingxian: chuandongkeyitongguofenqifukuandefangshijiejuezishendeyunyingxuyao,ergeguoshuishoudeyouhuizhengceyekeyijinyibujiangdizijinchengben。zhidezhuyideshi,ruguochuanbojiaoyizhongyinrulerongzizulin,neimezhifuyufukuandeyifangyejiufashenglebianhua,neimezaiyuanchuanboyufukuanbaohandejiegouzhong,xiangguanzhutiyejiufashenglebianhua。

qisan,anlibaohanjiegoufenxi

youyubenanlizhong,chuandongzuizhongxuanzetongguorongzizulingongsilaijinxingyufukuandezhifu,erzulingongsitongguoshelidulidedanchuangongsiwanchengduidanchuandeyufukuandezhifu,suoyibaohanxiangxiashouyirenyejiubuzaishichuanwugongsi,erbianchengledanchuangongsi,jutijiegoujianfutu。

snipaste_20181207_165609.jpg

qisi,chulibenanlizhongbaohanxuyaozhuyideshixiang

(1)liqingshijianzhouhexieyiguanxi

泛亚电竞 chuantongshang,chuanbozulinshizulingongsiyuchengzurenzhidingdechuanchangqianshuchuanbomaimaihetong,zaigoumaichuanbohou,yuchengzurenqiandingzulinhetong。erbenanlizelveyoubutong。

泛亚电竞 benanlizhong,zhuyaoshejilesanxianghetong,shouxianshiayubzhijiandezaochuanhetong,zheifenhetongshizhenggejiaoyidekaishi,yeshijichu。yibanlaishuo,zaochuanhetongjunhuiyihuodeyufukuanbaohanweishengxiaotiaojian,suoyidyinxingdebaohanjiyuzaochuanhetongkaichu,binganzhaozaochuanhetongyibzuoweishouyiren。

suizhehetongdequedingchengli(jijiaoyikeyizhengshikaishi),biaodewuqueding,bxiangcshenqingbanlirongzizulin,bingyudanchuangongsiqianshurongzizulinxieyi。zairongzizulinxieyiqianshuhou,zhifuyufukuandeyiwuyijijianzaohetongwangonghou,chuanbosuoyouquanfashenglebianhua,zheijiuyaoqiubaohandeshouyiquanzhuanrang,cishibaohanshouyiquandezhuanrangshijiyua、byudanchuangongsizhijiandezhuanrangxieyichanshengde。

zaibaohanyewuchulizhong,yingduisanxianghetongzhijiandeluojiguanxijinxingshenheyubawo,youyubenanlizhongdanchuangongsizuoweixinmaifangyuzaochuanchangzhijiande“maimaihetong”shizeweizhuanrangxieyi,yingzhuyigaizhuanrangxieyiduiyuanzaochuanhetongzhizhongmaifangzerenyiwudeyizhixing。

(2)banlibaohanzhuanrangfengxianfangfan

泛亚电竞 baohandezhuanrangbenzhishangshizhaiquanzhuanrang,jijiangyuanshouyirenzaibaohanxiangxiadesuopeiquanzhuanrangzhixinshouyiren,fashengbaohanzhuanranghou,yuanshouyirenshijishangyijingtuichulebaohanguanxi,jizaibenanlizhong,baohanfashengzhuanranghou,byiyubaohanbuzaicunzairenheguanlian。

泛亚电竞 yibanlaishuo,baohandezhuanrangjiangshidanbaoyinxingyoudanbaoshenqingren(beidanbaoren)delvyuenenglizhuanxiangtongshidanbaoyuanshouyirenxiangxinshouyirenhuoderongzidehaikuanzeren,qieyouyuxinshouyirenbingfeiyuanjichuhetongdangshiren,gaibaohancunzaizheyujichuhetongzhaiwuxiangtuolidefengxian。

benanlizhong,youyuxinshouyirenweizulingongsi,zulingongsidezijinwangwanglaiziyinxingderongzi,ruguofashengzulingongsiyouyujingyingbushanhuonanyihuoqurongzideqingxing,kenengchuxianwufaanzhaohetongzhifukuanxiang,daozhijichuhetongwufashunlilvxing,congershiyinxingjuanrujiufen,shenzhifashengeyisuopeideqingkuang。

dyinxingkecaiquruxiafangfajinxingfengxianfangfan:

泛亚电竞 shouxian,yingduishenqingrenjinxingchongfendefengxiantishi,yaoqiushenqingrenzaishenqingshuzhongmingqueyouqichengdanyinzhuanrangbaohanerchanshengdefengxian,tongshiyingtixingshenqingrenxiandingzhuanrangcishujishourangren。zaibenanlishijicaozuozhong,dyinxinghaimingqueleyouyuanshouyirentongguoyinxingquerenzhuanrangxieyijibaohanshouyirenbiangengweidanchuangongsi,yuanshouyirenbuzaixiangyoubaohanxiangxiaquanyi。

qici,yingduichuandongxuanzedezulingongsizizhiqingkuangjinxinglejiehebawo,xuanzejingyingqingkuangwending、zairongzinengliqiang,qieshiyongfanyadianjingguo、yingguo、zhongguoxiangganghuoxinjiapodengfalvdezulingongsi,bimianchuxianyouyushiyongfalvyouteshuguidingshi,daozhibaohanshixiaobiandebuquedingdeqingkuang。

zuihou,zhuanrangxieyizhongyingkaolvshezhihuigoutiaokuan,yidanxinshouyirenwulijixuzhifuhetongyaoqiudekuanxiang,yuanshouyirenyingjixulvxingzhifuzeren,quebaojichujiaoyideshunliwancheng。

xuyaozhuyi,zaibenanlizhongyinxingkaichudebaohanyingzhuming“kezhuanrang”。

泛亚电竞 (3)zhuyizhongcaizhifutiaokuandeshezhi

muqian,yinxingbaohanduowei“dulixingbaohan”,yechengwei“jiansuojifu”baohan。dulixingbaohanshizhisuiranjiyujichuhetongkaichu,danbingbuyilaiyujichuhetongguanxierdulicunzaidedanbaofukuanchengnuo。zaidulibaohanzhong,danbaoyinxingbuxiangyoujichuhetongzhaiwurendekangbianquan,jizhiyaoshouyirentijiaoleyubaohanguidingxiangfudesuopeiwenjianhou,danbaoyinxingjiyinglvxingpeifuzeren,erbubiquzhengmingzhaiwurenweifanhetongdeshishi。ranerzaichuanboxingyezhong,ruguofashengchuandongeyiqichuan,qirengkeyichiyufukuanbaohanxiangyinxingtichusuopei,cishirudanbaoxingjiansuojifu,budanzaochuanchangjiangmianlinjudasunshi,yinxingyekenenghuijuanrujiufen,shenzhimianlinxinyongfengxian。

yinci,zaichuanboyufukuanbaohanzhong,xuyaoyinruzhongcaizhifutiaokuan,changjiandeyuedingfangshiwei: rufashengjiufen,qieshouyirenxiangdanbaorentichusuopeihou,danbaorenrushoudaochuanchangtijiaodezhongcaitongzhi,kezanbufukuan,zhidaoxingchengzuizhongdezhongcaijieguo。

danzhidezhuyideshi,zhongcaizhifutiaokuandeshengxiaotiaojianhenzhongyao,zuijiaxuanzeyingshibeidanbaorenheshouyirenzhijianjiyujichuhetongderenhejiufen,zheiyangbaozhangdefanweihuigengjiaquanmian。rujindanbaobaohanxiangxiafukuansuochanshengdejiufen,baozhangdefanweizebijiaoyouxian。

业务建议

shouxian,bawoxingyezhouqi,shishixuanzejieru。conglishiguilvjishujulaikan,chuanboxingyejuyoujiaoqiangdezhouqixingtedian,meigezhouqiyuewei10nianzuoyou。2008nian,shoumeiguocidaiweijisuoyinfadejinrongweijiyingxiang,quanqiuchuanboshichangjinruxiajiangzhouqi,zhijinyiyoushinian。cong2017nianniandi,quanqiuchuanboxingyezhuyaoshujuxianshixingyeyijingchuxianleyidingdefusujixiang,juclarksontongji,2017nianquanqiuchengjiexinchuandingdan8013wanzaizhongdun,tongbizengzhang155%。juzhongguochuanbogongyexingyexiehuitongjishuju,2018niansanjidu,fanyadianjingguozaochuanqiyesandazhibiaoliangzengyijiang,qizhongchengjiexinchuandingdan2534wanzaizhongdun,tongbizengzhang36.2%。danzaidangqiancuozongfuzadeshichanghuanjingxia,xingyedefusuyebingfeitantu,youqishizhongmeimaoyimocakenengdaozhidequanqiumaoyifanghuan,huojiangshihangyunxingyededimizhuangtaiyousuochixu,boluodehaizhishuchuxianxiadiebiaoxian,danshiwulunconglishiguilvhaishicongduofangshujulaikan,chuanboxingyehenkenengchuyuzheiyigexiajiangzhouqidedibuzhendangqi。yinxingyingjiaqiangxingyeyanjiu,zhuyibawoxingyezhouqi,yiqianzhanxingshijiaotiqianbuju,xuanzeshidangdeshijijijijieru。

qici,yibaohanzuoweiquanmianhezuodeqiaomenzhuan。chuanbozhizaogongyeshijishangshiyixiangzonghexingchanye,zaizaochuanguochengzhong,jiangshejiyugangtie、mucai、ranliao、shiyou、tuliao、xiangjiao、huaxuexianwei、yibiaoyiqi、jiaotongyunshujiwuliudengduolingyu、duoxingyezhijiandejiaoyi。chuanboyufukuanbaohanshiyinxingyuchuanchangzhijianhezuode“qiaomenzhuan”,yibaohanweiqijikaizhanhezuo,jianlibicizhijiandexinrenguanxihou,keyijixuyanshenzhizaochuanqiyeshangyou,weiqiyetigongxiangyingdezhifujiesuanjirongzixuqiu,yucitongshi,yekeweiqiyepeitaoyuanqijieshouhui、lilvdiaoqi、qiquanzuhedewaihuizijinyanshengchanpin,yiguibihuilvfengxian。qiyetongguoyinxingduoyuanhuadejinrongfanyadianjingmanzuzishenfazhanxuqiu,eryinxingyezaiweiqiyetigongyilanzizonghejinrongfanyadianjingdetongshihuodelianghaodezonghehuibao,congershixianshuangying。

zaici,jiaqiangzhunrubawo,fangfanxinyongfengxian。duiyuchuanboxingyelaishuo,qishangyouzhuyaoweigangtiexingye,xiayouzhuyaoweihangyunxingye,erchuanboxingyeshuyuzijinmijixingxingye,ruguofashenggangtiejiagejuliebodongdaozhichengbengaozhang,huoshihangyunxingyebujingqidaozhixinchuanjiagexiadiehuodingdanjianshao,shenzhichuandongqichuan,jiangzhijieduichuanboxingyezaochengjiaodayingxiang,yanzhongshijiangshiqiyezijinlianfashengduanlie,qiemuqianzaichuanshidimidehuanjingzhong,chuanboxingyecunzaichannengguoshengdeqingkuang。zheijiujiyinxingruhexuanzehezuodechuanchangtichuleyidingdeyaoqiu。duiyuyinxinglaishuo,zaishichanghuanjingshangweiqingxideqingkuangxia,yingxuanzejubeiyidingguimohezijinshili、jingyingwending、jishulingxianhuochuyuwendingshangshengzhouqi、jiedannengliqiang,qiejubeiyidingduoyuanhuajingyingjiegoudechuanchang,yucitongshi,yeyingduichuanchangdehezuoduishou,jichuandongjinxingyidingdezhunrubawo,ruguochuanchangxinjiedingdanlaizixinyucunyi、shejijiufenjiaoduo、qichuanlvjiaogaodechuandongshi,yinxingyingduicibaochijinshen。

泛亚电竞 zuihou,chuanbojinrongchuangxinrenzhongdaoyuan。dangqian,suiranchuanboxingyeyijingchuxianyidingdefusutaishi,qieguojiaxiangjichutaizhichixingyefazhandewenjian,danfanyadianjingguochuanboxingyerongzinandegangajumianbingmeiyouchuxianmingxiangaishan,rongzifangshirengjiaoweidanyi。suizhechuanboxingyejinruxiayicishangshengqi,qiduijinronggongjudexuqiuyejiangsuizhishangsheng,chuyufukuanbaohanwai,yinxingdengjinrongjigouhaiyinggengduodizongheyunyongmaifangxindai、maifangxindai、yintuandaikuan、rongzizulindengjinrongshouduan,bingjijitansuochuanboxingyehaiwaifazhai、absdengchuangxinxingjinrongshouduan,zaifensanfengxiandetongshi,tuokuanchuanboqiyerongziqudao,zhulixingyedefusuhefazhan。

作者单位: 中信银行总行国际业务部


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