商业银行产业链金融发展策略探析

发布时间：2018-09-09 20:34

【摘要】：产业链金融是近年来兴起的商业银行重要的金融创新之一,可充分发挥银行金融平台的作用,为产业链上核心企业及其上下游相关企业提供全方位的金融类和非金融类服务,提高社会资金运行效率并实现整个产业链的不断增值。目前,我国银行产业链金融已经进入快速发展阶段,客户规模不断扩大,产品种类日益丰富,产业链信息监控手段不断完善,但在业务规划、信息整合、风险控制等方面仍然有待避一步提升。为更好地推动商业银行产业链金融发展,未来我国产业链金融服务应着力推动以下"六大转变":一是由单一产业链向产业组合管理转变:二是由被动接收信息向主动监控整合信息转变:三是由单一营销向全产业链联动开发转变:四是由单一信贷向综合化大产品平台转变;五是由粗放运营向高契合度精细服务转变;六是由局部风险控制向全产业链风险控制转变。
[Abstract]:Industrial chain finance is one of the important financial innovations of commercial banks in recent years. It can give full play to the role of banking financial platform and provide comprehensive financial and non-financial services for the core enterprises and their upstream and downstream related enterprises in the industrial chain. Improve the efficiency of social capital operation and realize the constant increment of the whole industry chain. At present, the banking industry chain finance of our country has entered the rapid development stage, the customer scale expands unceasingly, the product category is increasingly rich, the industry chain information monitoring means is constantly consummated, but in the business planning, the information conformity, Risk control and other aspects still need to avoid a step to improve. In order to better promote the development of commercial bank industry chain finance, In the future, the financial services of China's industrial chain should focus on the following "six major changes": first, from a single industrial chain to industrial portfolio management; second, from passive reception of information to active monitoring and integration of information; third, from single marketing Transformation to the linkage development of the whole industry chain: fourth, the transformation from a single credit to a comprehensive product platform; The fifth is the transformation from extensive operation to fine service with high fit degree, and the sixth is from local risk control to the whole industry chain risk control.
【作者单位】：北京大学光华管理学院;中国民生银行博士后工作站;
【分类号】：F832.3

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