股份制商业银行开展供应链金融业务的问题研究

发布时间：2018-04-24 15:37

本文选题：股份制商业银行 + 供应链金融　；参考：《河北大学》2013年硕士论文

【摘要】：目前国内主流股份制商业银行均把如何支持中小企业发展、解决中小企业融资难问题列入战略发展议题。部分银行也推出了“供应链金融”产品。该产品紧紧依托企业上下游供应链，形成货物流、资金流、信息流相结合的业务特点，在银行风险可控的基础上，为企业提供低成本、高效率的融资。因此本文拟充分运用供应链管理的相关理论，结合股份制银行供应链金融产品和中小企业融资的现状和特点，提出合理的供应链金融服务机制，以缓解目前中小企业融资难的问题。本文首先对供应链及供应链金融的理论基础进行了研究，中小企业供应链融资，是一个供应链管理与中小企业融资交错的体系。因此研究涉及到供应链管理、融资、信息经济学等相关理论。在运用信息经济学的基础上，研究供应链管理与现代股份制商业银行银行融资的关系，进而对中小企业供应链金融进行理论和实践分析。然后针对我国目前中小企业的融资现状进行了分析，依据相关的数据和调查结果，总体分析我国中小企业所处的融资环境，包括融资用途、融资方式、融资价格，并剖析中小企业融资难问题的深层次原因；利用相关案例对中小企业的融资难的问题进行深入解剖。结合股份制商业银行供应链金融发展渊源及实质案例分析得到解决问题的答案。首先分析供应链金融对于股份制商业银行的价值；其次分析股份制商业银行供应链金融发展现状，并提出存在的不足；最后通过股份制商业银行供应链金融的案例分析，提出取得的成果、找到解决的对策。银行的发展及风险是把双刃剑，怎样在即快即好做大规模提升效益的同时科学合理的控制风险底线也是本文研究的重点。对发展供应链金融的策略、对策及风险控制进行了分析，结合上述对中小企业和股份制银行供应链融资的研究，提出股份制商业银行供应链金融的发展对策以及解决方案，包括供应链金融的基本框架和方案，以及金融风险的控制，利用模糊综合评价法实证分析了供应链金融中对中小企业的风险评估模型的建立过程。最后，，对全文的研究内容进行了总结。
[Abstract]:At present, domestic mainstream joint-stock commercial banks have included how to support the development of small and medium-sized enterprises and how to solve the financing difficulties of small and medium-sized enterprises. Some banks have also launched supply chain finance products. This product closely relies on the upstream and downstream supply chain of enterprises to form the business characteristics of goods flow, capital flow and information flow. On the basis of controllable bank risk, the product provides low cost and high efficiency financing for enterprises. Therefore, this paper intends to make full use of the relevant theories of supply chain management, combined with the current situation and characteristics of the supply chain financial products of joint-stock banks and the financing of small and medium-sized enterprises, and puts forward a reasonable supply chain financial service mechanism. In order to alleviate the current financing difficulties of small and medium-sized enterprises. Firstly, this paper studies the theoretical basis of supply chain and supply chain finance. Supply chain financing for SMEs is a system of supply chain management and financing interleaving with SMEs. Therefore, the research involves supply chain management, financing, information economics and other related theories. Based on the application of information economics, this paper studies the relationship between supply chain management and bank financing of modern joint-stock commercial banks, and then makes theoretical and practical analysis on the supply chain finance of small and medium-sized enterprises. Then it analyzes the current financing situation of SMEs in our country. According to the relevant data and survey results, it analyzes the financing environment of SMEs in our country, including the use of financing, the way of financing, and the price of financing. The paper also analyzes the deep causes of the financing difficulties of SMEs, and analyzes the financing difficulties of SMEs by using relevant cases. Based on the analysis of the origin of supply chain finance of joint-stock commercial banks and the analysis of real cases, the solution to the problem is obtained. Firstly, it analyzes the value of supply chain finance to joint-stock commercial banks; secondly, it analyzes the current situation of supply chain finance development of joint-stock commercial banks, and points out the shortcomings; finally, through the case study of joint-stock commercial banks supply chain finance, Put forward the achievement and find the solution. The development and risk of banks is a double-edged sword. How to improve the efficiency of large scale at the same time scientifically and reasonably control the bottom line of risk is also the focus of this paper. This paper analyzes the strategies, countermeasures and risk control of the development of supply chain finance. Combined with the above research on the supply chain financing of small and medium-sized enterprises and joint-stock banks, the paper puts forward the development countermeasures and solutions of the supply chain finance of joint-stock commercial banks. Including the basic framework and scheme of supply chain finance, and the control of financial risk, this paper empirically analyzes the establishment process of risk assessment model for small and medium-sized enterprises in supply chain finance by using fuzzy comprehensive evaluation method. Finally, the research content of this paper is summarized.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F274

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