我国商业银行电子供应链金融服务模式研究

发布时间：2018-05-16 17:17

本文选题：商业银行 + 电子供应链金融服务　；参考：《西南财经大学》2013年硕士论文

【摘要】：在经济全球化进程不断推进的过程中,国际间的金融业务往来不断增加,生产分工的模式正在发生转变。曾经的单一企业从事生产、销售的简单模式已经转变为多个企业之间的专业分工,形成了一条清晰的产业供应链；与此同时电子商务技术的不断发展,也为银行发展提供创新型金融服务提供了技术条件。市场的这些转变迫切需要商业银行对此进行资深调整,发展适应供应链的新型金融产品、进一步深化和创新业务模式。本文所提到的“供应链金融”是指商业银行所提供的供应链金融业务,这项业务所针对的受众群体是生产经营链条上与核心企业相关的企业同其之间所发生的“流”的活动,包括物流、信息流和资金流等。这项服务主要是为了满足两个方面的需求,首先是同核心企业进行交易的其他企业的资金需求,其次是核心企业自身的业务需求。而本文要研究的“电子供应链金融”业务相比较前面提到的“供应链金融”,在很多方面具有不可替代的优势,比如技术技巧更高、业务过程更简单、服务速度更快、效率更高、风险控制更完善等。“电子供应链金融”服务,是由商业银行提供的,借助于其自己开发的特有电子商务服务平台,同时自主研发一些各有特色的,针对供应链上面临现金流缺口企业的融资产品、以及面临结算困难的结算产品,更紧密地将核心企业同供应链上的其他企业联系在一起,的一种创新型、优秀的供应链金融服务业务。在经济形势发展如此迅猛的情势下,商业银行开展“供应链金融”业务有广阔的前景。企业的经营规模在不断地扩大和成熟,在这个过程中,它们对商业银行所能够提供的金融服务提出了更高的要求,不再是简单的融资、结算,而是上升到财务管理、测算资金利用率等专业的需求,并且更加关心商业银行能否帮助提供扩大企业规模的信息,降低企业生产、运营成本等。电子供应链金融服务能在原有供应链金融服务的基础上更加快捷地满足企业客户的需求。近几年,我国有诸多商业银行纷纷开始提供“供应链金融服务”,例如中信银行、平安银行(原深圳发展银行)、招商银行等。在此之中,招商银行所开展的“电子供应链金融”服务已发展地较为成熟,它依托电子商务平台,解决了供应链企业协同发展的问题,尤其是针对中、小企业,充分满足其融资需求。本文在全面研究我国几家重点开展电子供应链金融业务的商业银行其发展状况及商业模式的基础上,依据其业务现状进行深入分析,对我国商业银行所开展的电子供应链金融服务现状进行分析,找出其面临的问题与运作中的不足,并给出相应的政策建议。电子供应链金融在我国乃至国际间商业银行业务发展进程中具有广阔的前景,本文为我国商业银行电子供应链金融服务的发展提供了政策建议,希望能够帮助国内商业银行业务规模,更好地谋求自身发展,在当前的经济环境中立足。本文基于对于我国商业银行电子供应链金融服务业务的发展状况及模式研究,对其业务的所面临的问题与不足进行了深入探究,并给出相应的政策建议。全文一共有六章：第一章是绪论部分,阐述了本文所研究课的背景意义、研究方法与研究内容,以及本文的创新与不足,并简要解释相关的基本概念,如,金融服务、供应链、电子供应链、电子供应链金融等；第二章阐述电子供应链金融的理论基础及国内外研究学者在该领域的研究文献综述；第三章从主体结构、客体结构、业务规模和经济效应角度研究电子供应链金融业务在我国的发展状况。业务的主体,即商业银行,客体,即业务受众方的结构、业务内容、产生的经济效应等方面,将我国商业银行的电子供应链金融业务发展水平进行了概述；第四章在阐述我国电子供应链金融服务的基本模式的基础上又以招商银行作为案例研究对象,重点分析其电子供应链金融服务的模式及发展状况；第五章指出我国商业银行电子供应链金融服务所面临的问题与不足；第六章是文章的结论部分,在指出我国商业银行电子供应链金融服务所面临的问题和不足后,给出相应的政策建议。在当前的经济发展形势与需求下,开展“供应链金融”服务已成为各商业银行的不二选择。与此同时,电子商务平台的快速发展促使“电子供应链金融"更具有独特的优势。目前国内对“供应链金融”的研究较多,但对于“电子供应链金融”领域的研究还不完善,尤其是在“电子供应链金融”服务的模式探究的研究更是少之又少。本文从银行所主导的电子供应链金融业务的视角研究其中、小企业融资问题的解决效应,这一方法改变传统融资模式下由于信息不对称所带来的道德风险和逆向选择问题,这为我国商业银行进行业务创新并且帮助中小企业快速解决融资难问题提供新思路。因此本文的创新点之一就是对于我国商业银行电子供应链金融服务业务模式发展中问题的探究。除此之外,本文采用多种研究方法,如文献研究法、案例研究法和比较研究法,全面研读国内外与电子供应链金融相关的调查文献,查阅与本课题有关的相应理论、数据等,从而全面地、正确地了解掌握所要研究的问题。而后又选取我国主要商业银行的“供应链金融服务”、“电子供应链金融服务业务”的开展状况作为对象,对国内重点开展电子供应链金融服务的商业银行业务进行比较研究,用以分析我国当前电子供应链金融服务发展现状；并以招商银行的电子供应链金融业务作为案例,详细分析其业务模式、经济效应等帮助论题得出结论。但本文的研究不可避免的存在一定的局限性,同时研究还未达到一定的深度。造成这些问题的原因主要是平时知识积累不够、研究水平尚未达到较高标准,以致于分析问题未考虑周全。例如关于供应链金融方面的专业知识欠缺,在研究我国商业银行目前电子供应链金融典型业务模式时就不能够透彻分析问题关键。除此之外,在进行国内商业银行业务比较时没有相关的数据分析佐证,这也是本文的一大不足点。未来会在不断的学习过程中找到更加充实的理论知识与事实论据来解释该研究课题。
[Abstract]:In the process of the process of economic globalization, the international financial business exchanges are increasing, the mode of production division of labor is changing. The simple mode of single enterprise engaged in production has changed into a professional division of division of labor between many enterprises, and a clear industrial supply chain has been formed; at the same time, the electronic business enterprise is formed. The continuous development of business technology also provides technical conditions for the development of innovative financial services for the development of banks. These changes in the market urgently need commercial banks to carry out a senior adjustment, develop new financial products to adapt to the supply chain, and further deepen and innovate business models.
The "supply chain finance" mentioned in this article refers to the supply chain financial business provided by commercial banks. The target audience is the "flow" activity between enterprises related to the core enterprise in the chain of production and management, including logistics, information flow and capital flow. This service is mainly to meet two. The needs of other enterprises, first of all, are the capital needs of other enterprises dealing with the core enterprises, and the second is the business needs of the core enterprises. The "supply chain finance", as mentioned in the paper, has the irreplaceable advantages of many mask, such as higher technical skills, The business process is simpler, the service speed is faster, the efficiency is higher, the risk control is more perfect. The "electronic supply chain finance" service is provided by the commercial bank, with its own special e-commerce service platform developed by its own. At the same time, it independently develops some special features for the financing products of the cash flow gap in the supply chain. As well as the settlement products facing the settlement difficulties, the core enterprises are more closely linked with the other enterprises in the supply chain, an innovative, excellent supply chain financial service business.
With the rapid development of the economic situation, the commercial banks have a broad prospect to carry out the "supply chain finance" business. The business scale is constantly expanding and maturing. In this process, they have raised higher requirements for the financial services that the commercial banks can provide, no longer a simple financing, settlement, and rise. To the financial management, to calculate the demand for the utilization of funds and other professional needs, and more concerned about whether commercial banks can help to provide information to expand the scale of the enterprise, reduce the production and operating costs of enterprises. The electronic supply chain financial services can meet the needs of the customers more quickly on the basis of the original supply chain financial services.
In recent years, many commercial banks in our country have begun to provide "supply chain financial services", such as CITIC Bank, Ping An Bank (former Shenzhen Development Bank), China Merchants Bank and so on. In this, the "electronic supply chain finance" service developed by China Merchants Bank has developed more mature. It has solved the supply chain enterprise relying on the e-commerce platform. The problem of collaborative development, especially for small and medium-sized enterprises, fully meets their financing needs.
On the basis of a comprehensive study of the development and business model of several commercial banks in our country, based on the current situation of their business, this paper analyzes the current situation of the electronic supply chain financial services carried out by commercial banks in China, and finds out the problems and shortcomings in the operation. The electronic supply chain finance has a broad prospect in the process of business development in China and even international commercial banks. This article provides policy suggestions for the development of the electronic supply chain financial services in China's commercial banks, hoping to help the domestic commercial banks' business scale and better seek their own development. A foothold in the economic environment.
Based on the research on the development and model of the financial service business of the electronic supply chain in China's commercial banks, this paper makes a thorough inquiry into the problems and shortcomings of its business and gives the corresponding policy suggestions. The full text has six chapters: the first chapter is the introduction part, explaining the background significance of the study and the research methods. And the research content, and the innovation and deficiency of this article, and briefly explain the basic concepts, such as financial services, supply chain, electronic supply chain, electronic supply chain finance, etc. the second chapter expounds the theoretical basis of the e-supply chain finance and the literature review of the research scholars at home and abroad in this field; the third chapter from the main structure, the object knot. The development status of electronic supply chain financial business in China is studied in terms of structure, business scale and economic effect. The main body of the business, the commercial bank, the object, the structure of the business audience, the business content, the economic effect and so on, summarizes the development level of the electronic supply chain financial business of the commercial banks of our country; the fourth chapter is on the development level of the electronic supply chain financial business in China. On the basis of the basic model of China's electronic supply chain financial services, China Merchants Bank is taken as the case study, and the mode and development status of the electronic supply chain financial services are emphatically analyzed. The fifth chapter points out the problems and deficiencies faced by the electronic supply chain financial services in China's commercial banks; the sixth chapter is the conclusion of the article. After pointing out the problems and shortcomings of China's commercial banks' e-supply chain financial services, the corresponding policy recommendations are given.
Under the current economic development situation and demand, the development of "supply chain finance" service has become a choice for all commercial banks. At the same time, the rapid development of the e-commerce platform has prompted the "electronic supply chain finance" to have more unique advantages. At present, there are many studies on "supply chain gold" in China, but for "electronic supply chain" The research on the field of finance is not perfect, especially in the research on the mode of "electronic supply chain finance". This paper studies the solution effect of the financing problem of small enterprises from the perspective of the electronic supply chain financial business led by the bank. This method changes the information asymmetry under the traditional financing mode. The problem of moral hazard and adverse selection brings new ideas for commercial banks in our country to carry out business innovation and help SMEs to solve the problem of financing quickly. Therefore, one of the innovation points of this paper is to explore the development of the financial service business in the electronic supply chain of commercial banks in China.
In addition, this paper uses a variety of research methods, such as literature research, case study and comparative study, to comprehensively study the domestic and international investigation documents related to the electronic supply chain finance, and to consult the relevant theories and data related to the subject, so as to fully and correctly understand the problems to be studied and then select our country owners. The development status of "supply chain financial service" and "electronic supply chain financial service business" is taken as the object, and the domestic commercial bank business which focuses on the development of electronic supply chain financial services is comparatively studied in order to analyze the current situation of the development of our current electronic supply chain financial services; and the electronic supply of China Merchants Bank. In the case of chain finance business, a case study is made to analyze its business mode and economic effect in detail.
However, there are some limitations in this study, and the research has not yet reached a certain depth. The main reason for these problems is that the accumulation of knowledge is not enough, the level of research has not reached a high standard, so that the analysis problem is not considerate. For example, the lack of professional knowledge on the supply chain finance is in the study. In addition, there is no evidence of data analysis in the comparison of domestic commercial banks' business comparison, which is also a major deficiency in this paper. In the future, we will find more substantial theoretical knowledge in the process of continuous learning. The fact argument explains the subject.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】