基于供应链金融的银行信用信息服务体系构建研究

发布时间：2018-05-06 01:29

本文选题：供应链 + 供应链金融　；参考：《吉林大学》2014年硕士论文

【摘要】：金融行业是信用交易最为集中的领域，对于信用信息服务的需求较大，要求标准也较高。信用信息服务作为一种重要的信息咨询服务，在降低信息不对称，防范信用风险方面发挥着重要作用。本论文从供应链金融的视角，构建了银行信用信息服务体系。基于供应链金融的银行信用信息服务体系构建就是银行立足于供应链企业的整体和全局的高度，对供应链企业进行信用信息整合评估，从而提供资金融资和贷款，保证供应链的有序运转。本体系构建改变了银行传统信用信息服务业务外包模式，将信用信息服务转移到银行内部，不仅节约了服务成本，也改变了过去一对一的服务模式。基于供应链金融的一对N信用信息服务模式，改变了供应链企业的信息不对称，实现信息流畅通，进而保证资金流顺畅，从而规避供应链断裂问题。本文在系统梳理了供应链理论，供应链金融理论，信息服务理论的基础上，界定了信用信息服务、银行信用信息服务的概念，并且从四个方面分析了基于供应链金融的银行信用信息服务的必要性，，即银行层面、供应链层面、核心企业层面和中小企业层面。提出了构建基于供应链金融的银行信用信息服务体系的意义。然后系统分析了构建基于供应链金融的银行信用信息服务体系的目标、原则、主客体与其功能设计，并从制度体系、组织体系、技术体系和管理体系四个要素进行体系构建，构建全面系统的信用信息服务可以帮助商业银行加强客户管理，提升服务水平并且为银行创新业务品种提供信息支撑，同时在银行发掘、维系客户的整个过程都发挥着重要作用。然后，结合相关研究和实践经验，并根据我国银行信用信息发展的具体情况，提出了基于供应链金融的银行信用信息服务的驱动模式、经营模式和实现模式，构建了银行信用信息服务的系统模型，银行可以综合考虑信息服务运行环境的各种因素，有针对性地对各种运行模式进行取舍和组合。最后，对基于供应链金融的银行信用信息服务体系的运行，从政策和法律、技术、人才和资金支持四方面提出保障措施，保证银行信用信息服务体系的有序运转。
[Abstract]:Financial industry is the most concentrated area of credit transactions, the demand for credit information services is large, the requirements are also high. As an important information consulting service, credit information service plays an important role in reducing information asymmetry and preventing credit risk. This paper constructs the bank credit information service system from the perspective of supply chain finance. The construction of the bank credit information service system based on the supply chain finance is that the bank bases on the whole and the overall situation of the supply chain enterprise to carry on the credit information conformity appraisal to the supply chain enterprise, thus provides the fund financing and the loan. Ensure the orderly operation of the supply chain. The construction of this system has changed the traditional outsourcing mode of bank credit information service, and transferred the credit information service to the bank, which not only saved the service cost, but also changed the past one-to-one service mode. A pair of N credit information service modes based on supply chain finance change the information asymmetry of supply chain enterprises, realize the information flow unblocked, and then ensure the smooth flow of capital, thus avoid the problem of supply chain breakage. On the basis of systematically combing supply chain theory, supply chain finance theory and information service theory, this paper defines the concepts of credit information service and bank credit information service. And it analyzes the necessity of bank credit information service based on supply chain finance from four aspects, namely, bank level, supply chain level, core enterprise level and small and medium-sized enterprise level. The significance of constructing bank credit information service system based on supply chain finance is put forward. Then it systematically analyzes the goal, principle, subject and object and its function design of the bank credit information service system based on the supply chain finance, and constructs the system from the system system, the organization system, the technology system and the management system. Building a comprehensive and systematic credit information service can help commercial banks to strengthen customer management, improve service level and provide information support for banks' innovative business. The whole process of maintaining customers is playing an important role. Then, combining the relevant research and practical experience, and according to the specific situation of the development of bank credit information in our country, the paper puts forward the driving mode, management mode and realization mode of bank credit information service based on supply chain finance. The system model of bank credit information service is constructed. The bank can synthetically consider all kinds of factors of information service running environment, and choose and combine each kind of operation mode pertinently. Finally, to the bank credit information service system based on the supply chain finance, puts forward the safeguard measure from the policy and the law, the technology, the talented person and the fund support, guarantees the bank credit information service system to run orderly.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3

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