银行供应链金融产品及风险分析

发布时间：2018-04-14 02:00

本文选题：供应链管理 + 供应链金融　；参考：《南京大学》2012年硕士论文

【摘要】：在国内,商业银行的主要利润来源是存贷款利差,但随着资本市场的发展,使商业银行传统的授信市场竞争激烈,实力较强的品牌企业更加倾向于通过直接融资方式来筹集资金。同时,实力雄厚的财务、融资租赁公司的资金调配能力加强,抢占了一部分银行的存贷款份额,部分财务公司也抢占了银行的金融顾问、融资安排等服务。在如此背景下,银行依靠利差生存的盈利模式将受到严重阻击。在激烈的市场竞争环境下,银行要快速发展,必须开拓新的服务领域,发掘潜在的客户群体；在金融服务模式上更要有所创新,避免银行业同质化的激烈竞争；针对以前的老客户,资信差的客户,开发新的盈利模式和风险控制手段,使得风险-收益比例重新配比,达到利润的上升,增加市场竞争能力。供应链金融是至今为止少有人深知的的有很大开发前景的领域,它被视作是资信信用机会,银行通过实施供应链金融来提高企业的营运资本,最终增加企业效益。本文从银行供应链融资的视角来发掘盈利的新方向以及探索风险控制手段。并且,针对关乎民族兴旺的中小企业的融资难题也能有所改善,所以本文研究具有实际意义。作为物流工程的一名研究生和一名即将踏入银行工作的我,结合自己所学的知识和即将踏入的工作领域,研究银行新的盈利模式。希望能为银行在金融服务模式创新上做一些探索。
[Abstract]:In China, the main profit source of commercial banks is deposit and loan interest difference, but with the development of capital market, the traditional credit market of commercial banks is competitive.Stronger brand companies tend to raise funds through direct financing.At the same time, the strong financial, financial leasing company's ability to allocate funds to strengthen, preempting part of the bank's share of deposits and loans, some financial companies have also seized the bank's financial advisers, financing arrangements and other services.In this context, the profit model that banks rely on interest rate differentials will be severely blocked.In the fierce market competition environment, if banks want to develop rapidly, they must open up new service fields, explore potential customer groups, innovate in the financial service mode, and avoid the fierce competition of the banking industry.Aiming at the old customers and the customers with poor credit standing, a new profit model and risk control method are developed, so that the risk-income ratio can be reproportioned so as to increase the profit and increase the competitive power of the market.The supply chain finance is a field with great development prospect which is well known by few people up to now. It is regarded as the credit credit opportunity. Banks improve the working capital of enterprises by implementing supply chain finance, and finally increase the benefit of enterprises.This paper explores the new direction of profit and the means of risk control from the perspective of bank supply chain financing.Moreover, the financing problem of small and medium-sized enterprises related to national prosperity can also be improved, so this study has practical significance.As a graduate student of logistics engineering and a person about to step into the bank, I study the new profit model of the bank by combining my knowledge and work field.Hope to do some exploration for banks in the innovation of financial service model.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F832.2

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