民生银行小微金融电子供应链模式的构建及可行性分析

发布时间：2018-04-04 18:47

本文选题：小微企业　切入点：民生银行　出处：《湖南大学》2013年硕士论文

【摘要】：小微企业在中国当代经济发展中充当着重要的角色，但资金的缺乏始终制约着小微企业的发展。然而商业银行却始终无法对小微企业给予强有力的支持。随着问题的暴露，小微企业融资逐渐得到关注。民生银行是国内首家以扶持小微为己任，致力推动小微金融，促进小微企业成长的商业银行。凭借其商贷通的特点与供应链金融的产品优势，民生银行在小微金融方面处于国内领先地位。同时，随着互联网技术和电子商务业务的飞速发展，原有的商业模式发生了巨大的改变。电子商务以高效低成本的平台培育了大量依赖其生存的小微企业，网络平台成为小微企业最主要的销售渠道。外界商业环境的变化也促使商业银行寻求与电子商务的结合。并且有部分电子商务平台主动跨界，涉及小额贷款业务。作为国内小微金融开拓者，民生银行积极响应小微金融市场的变化，主动寻求可行的方式与电子商务进行合作，以适应市场的发展。在上述背景下，，论文首先分析了在当前金融环境下民生银行在小微金融领域面临的挑战与机遇。然后以民生银行为核心，将供应链金融与电子商务相结合，构建一个集民生银行、小微企业、电子商务平台与物流企业于一体的电子供应链模式，从而适应当今经济的发展。论文将从电子供应链模式的背景、构建思路、业务流程与优势特点等方面对该模式进行全面的阐述。接着通过商业模式的发展趋势、市场的需求、参与各方的收益、民生与电子商务的现有合作基础、电子供应链模式风险的可控等五个方面分析了民生银行电子供应链模式的可行性。最后，文章在结论部分指出将商业银行业务与电子商务的结合既能促进小微企业的发展，也符合银行未来发展的战略布局。
[Abstract]:Small and micro enterprises play an important role in China's contemporary economic development, but the lack of funds has always restricted the development of small and micro enterprises.However, commercial banks have been unable to give strong support to small and micro enterprises.With the exposure of the problem, small and micro-enterprise financing has gradually been concerned.Minsheng Bank is the first commercial bank in China to support the small and micro, to promote small and micro finance and promote the growth of small and micro enterprises.With its characteristics of commercial and lending and the product advantage of supply chain finance, Minsheng Bank is in the leading position in small and micro finance.At the same time, with the rapid development of internet technology and e-commerce, the original business model has changed greatly.E-commerce has cultivated a large number of small and micro enterprises depending on its survival on the platform of high efficiency and low cost, and the network platform has become the most important sales channel for small and micro enterprises.The change of the external business environment also urges the commercial bank to seek the union with the e-commerce.And some e-commerce platforms cross-border actively, involving small loans business.As a pioneer of micro-finance in China, Minsheng Bank actively responds to the changes of microfinancial market and actively seeks feasible ways to cooperate with e-commerce in order to adapt to the development of market.Under the above background, this paper first analyzes the challenges and opportunities that Minsheng Bank faces in the field of microfinance under the current financial environment.Then, taking Minsheng Bank as the core, combining supply chain finance with electronic commerce, this paper constructs an electronic supply chain model which integrates Minsheng Bank, small and micro enterprises, electronic commerce platform and logistics enterprises, so as to adapt to the development of today's economy.In this paper, the background, construction idea, business process and advantages of the electronic supply chain model are discussed.Then through the development trend of the business model, the market demand, the income of all parties involved, the existing cooperation foundation between people's livelihood and electronic commerce,This paper analyzes the feasibility of the electronic supply chain model of Minsheng Bank from five aspects, such as the controllable risk of the electronic supply chain model.Finally, in the conclusion part, it is pointed out that the combination of commercial banking and electronic commerce can not only promote the development of small and micro enterprises, but also accord with the strategic layout of the future development of banks.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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