XY银行发展供应链金融业务的策略研究

发布时间：2018-04-09 05:01

本文选题：商业银行　切入点：供应链金融　出处：《广西大学》2012年硕士论文

【摘要】：随着大型优质客户的金融脱媒化,供应链金融业务,特别是针对中小企业客户群体的供应链金融业务是未来银行的主体对象和利润来源。对于商业银行而言,竞争越来越激烈,自身面临着进行战略转型的需要；对中小企业而言,“融资难”问题已成为广泛关注的社会问题。但是由于各方面原因,供应链金融业务并未形成商业银行的主流业务,也未能对中小企业融资起到有力的支持作用。因此,商业银行重点支持中小企业融资的供应链金融业务成为当前我国金融经济界共同关注的热点问题和重点问题。首先,本文阐述了供应链金融的相关理论,在此基础上,分析了供应链成员企业业务需求情况及供应链金融业务当前主要融资模式,并且分析了我国商业银行在供应链金融服务方面的现状及存在问题,得出我国商业银行需要探索的各种行之有效的方法,也为下文制定策略提供借鉴。其次,本文具体分析XY银行供应链金融业务的发展现状及存在问题,结合广西区域的市场特点,以及XY银行的实际情况,得出XY银行必须制定适合自身情况的发展策略,才能立足本地市场,快速健康地推进供应链金融业务发展的结论。再次,根据上面的分析,拟定XY银行发展供应链金融业务的总体思路,从营销组织策略、业务创新策略、激励与约束策略、专业化经营策略等四个方面提出了XY银行发展供应链金融业务的策略。最后,针对供应链金融业务的风险性,提出了XY银行风险控制策略,从信用风险管理、操作风险控制、贷后管理制度建设等方面完善XY银行的风险控制体系。
[Abstract]:With the financial disintermediation of large and high quality customers, the supply chain financial business, especially for the small and medium-sized enterprises, is the main object and profit source of the future banks.For commercial banks, the competition is becoming more and more fierce, and they are facing the need of strategic transformation. For small and medium-sized enterprises, the problem of "financing difficulty" has become a social problem that has been paid more and more attention.However, for various reasons, the supply chain financial business has not formed the mainstream business of commercial banks, nor has it been able to support the financing of small and medium-sized enterprises.Therefore, the supply chain financial business that commercial banks focus on supporting financing of small and medium-sized enterprises has become a hot issue and a key issue in the current financial and economic circles of our country.First of all, this paper expounds the relevant theories of supply chain finance, and then analyzes the business demand of supply chain member enterprises and the main financing mode of supply chain finance business.It also analyzes the current situation and existing problems of the supply chain financial services of commercial banks in China, and concludes that the commercial banks in our country need to explore all kinds of effective methods, which can also be used for reference in the formulation of the following strategies.Secondly, this paper analyzes the current situation and existing problems of XY Bank's supply chain financial business, combining with the market characteristics of Guangxi region and the actual situation of XY Bank, draws the conclusion that XY Bank must formulate the development strategy suitable for its own situation.In order to base on the local market and promote the development of supply chain financial business quickly and healthily.Thirdly, according to the above analysis, draw up the overall idea of XY bank to develop the supply chain financial business, from marketing organization strategy, business innovation strategy, incentive and restraint strategy,This paper puts forward four strategies for XY Bank to develop its supply chain financial business.Finally, aiming at the risk of the supply chain financial business, the paper puts forward the risk control strategy of XY bank, which consummates the risk control system of XY bank from the aspects of credit risk management, operation risk control and the construction of post-loan management system.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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