商业银行供应链金融模式及应用研究

发布时间：2018-06-19 06:11

本文选题：银行 + 供应链金融　；参考：《苏州大学》2013年硕士论文

【摘要】：随着企业生产管理模式向供应链管理的转变，供应链的竞争已经逐渐成为企业竞争的重要方式。越来越多的企业管理者开始关注自身供应链的竞争能力。供应链由物流、资金流、信息流三大要素组成，其实质在于价值和信息的传递。伴随着企业间竞争模式的转变银行的金融服务模式也随之发生变化，供应链金融由此应运而生。所谓供应链金融是指银行通过对整条供应链的审查，依托核心企业对供应链的管理和其强大的信用实力，对核心企业及其上下游多个企业提供的一种更为灵活的创新融资服务。本文对供应链金融的自偿性贸易融资理论和结构融资理论进行了研究，分析了供应链金融的三种主要融资模式。通过供应链金融真实案例的分析，从需求、供给和监管约束三个角度阐述了供应链金融业务的演进过程。本文认为，商业银行供应链金融业务为满足中小企业融资提供了新的解决方案；为大型企业实现现金管理提供了有效手段；是商业银行适应监管要求、化解资本约束和满足市场需求的必然选择；是商业银行风险管理理念的重大突破、市场营销理念的重要转变和业务流程管理的创新。创新与风险往往相生相伴，因此本文还揭示了供应链金融业务中潜在的风险，并针对三类业务模式的风险控制措施进行了简要分析。随着供应链金融业务领域的不断拓展，制约业务发展的内外部矛盾也愈发突出。因此本文认为监管部门要建立多元化多层次的金融机构体系，为金融创新创造良好的外部监管环境；银行自身要加强专业化的运营管理；第三方物流企业要提升管理创新能力，同时不断完善相关政策和法规。
[Abstract]:With the transformation of enterprise production management model to supply chain management, supply chain competition has gradually become an important way of enterprise competition. More and more enterprise managers begin to pay attention to the competitive ability of their own supply chain. Supply chain consists of three elements: logistics, capital flow and information flow, whose essence lies in the transmission of value and information. With the change of competition mode between enterprises, the financial service mode of banks also changes, and supply chain finance emerges as the times require. The so-called supply chain finance refers to a more flexible innovative financing service provided by banks to the core enterprises and their upstream and downstream enterprises through the examination of the whole supply chain, relying on the core enterprises' management of the supply chain and their strong credit strength. In this paper, the self-compensated trade financing theory and the structural financing theory of supply chain finance are studied, and the three main financing modes of supply chain finance are analyzed. Through the analysis of real cases of supply chain finance, this paper expounds the evolution of supply chain financial business from three angles of demand, supply and supervision constraints. This paper holds that the supply chain financial business of commercial banks provides a new solution to meet the financing of small and medium-sized enterprises, provides an effective means for large enterprises to achieve cash management, and is suitable for commercial banks to meet the regulatory requirements. It is an inevitable choice to resolve the capital constraint and meet the market demand. It is a great breakthrough of the risk management idea of commercial bank, the important change of marketing idea and the innovation of business process management. Innovation and risk often go hand in hand, so this paper also reveals the potential risks in the financial business of supply chain, and briefly analyzes the risk control measures of the three business models. With the continuous expansion of supply chain financial business, the internal and external contradictions that restrict the development of business are becoming more and more prominent. Therefore, this paper argues that the regulatory authorities should establish a diversified and multi-level financial institution system to create a good external regulatory environment for financial innovation; banks themselves should strengthen the specialized operation management; third party logistics enterprises should enhance the ability of management innovation. At the same time, continue to improve the relevant policies and regulations.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F274;F832.33

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