S银行供应链融资在国内的战略定位研究

发布时间：2019-04-08 08:27

【摘要】：因近年波及全球的次贷危机影响下,企业和金融体系资金趋紧,供应链融资是金融机构的业务创新与拓展的新手段。供应链融资因其独特优势,已经成为国际性大银行流动资金信贷领域最重要的增长点之一。再者,对于国内银行而言,因政府制定利差,令银行收入稳定,但随着金融体系的进一步开放,利差趋向收窄,银行必须依赖更多的中间收入来维持盈利。因此,供应链融资作为银行的一块重要业务,对其战略研究有着重要的价值。由近年的全球贸易结算的统计数据显示,信用证使用比率的下滑和赊销(Open Account Trade)急剧增长,显示了供应链融资的增长潜力和前景。(赊销是买卖双方的贸易结算方式,供应链融资产品的主要客户群是赊销买卖双方,是银行融资给其的金融产品)。再者,中国近年对北美、欧洲、日本和澳洲的贸易增长幅度使之成为全球的贸易中心,以至欧美银行转向中国寻求供应链融资发展的机会。因此,供应链融资作为银行的一块重要业务,对其发展战略和战略定位进行研究有着重要的意义。本文以S银行的供应链融资发展战略构建为研究对象和研究内容,在企业战略管理和企业竞争战略理论相关文献的基础上,运用PEST环境分析模型、五力竞争模型和外部因素评价矩阵,对S银行内部和外部环境的发展问题进行了全面的分析;并且对S银行供应链融资业务发展战略设计的优势、劣势、机会、威胁等进行了评估,从S银行战略的构建思路、战略发展、战略职能等对其发展战略进行了设计,从而为S银行供应链融资战略设计提供了一个基本的理论框架和实践指导,并对其他银行的供应链融资推进战略设计提供了示范价值。
[Abstract]:Supply chain financing is a new means of business innovation and expansion for financial institutions because of the impact of subprime mortgage crisis in recent years and the tight capital of enterprise and financial system. Supply chain financing has become one of the most important growth points in the field of liquidity credit for international banks because of its unique advantages. Moreover, for domestic banks, banks have to rely on more intermediate income to keep their earnings stable as the government sets spreads to stabilize their revenues, but as the financial system opens further and spreads tend to narrow, banks have to rely on more intermediate income to maintain their earnings. Therefore, as an important business of bank, supply chain financing has important value to its strategic research. According to the statistics of global trade settlement in recent years, the decline in L / C usage ratio and the sharp increase in (Open Account Trade) of credit sales show the growth potential and prospects of supply chain financing. (selling on credit is the way for buyers and sellers to settle their trade, and the main customers of supply chain financing products are buyers and sellers on credit, financial products financed by banks). Moreover, China's recent growth in trade with North America, Europe, Japan and Australia has made it a global trading hub, and European and American banks have turned to China to seek supply chain financing opportunities. Therefore, supply chain financing as an important business of banks, it is of great significance to study its development strategy and strategic positioning. This paper takes the construction of supply chain financing development strategy of S Bank as the research object and research content. Based on the relevant literature of enterprise strategic management and enterprise competitive strategy theory, this paper applies the PEST environment analysis model. The five-force competition model and the evaluation matrix of external factors are used to analyze the development of internal and external environment of S bank in an all-round way. It also evaluates the advantages, disadvantages, opportunities and threats of the development strategy of S Bank's supply chain financing business, and designs its development strategy from the construction ideas, strategic development and strategic functions of S Bank's strategy. This provides a basic theoretical framework and practical guidance for the supply chain financing strategy design of S bank, and provides a demonstration value for the supply chain financing promotion strategy design of other banks.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3;F272

【共引文献】