中国银行中小企业供应链金融业务的策略研究

发布时间：2018-05-16 04:24

本文选题：中小企业融资 + 供应链金融业务　；参考：《大连海事大学》2012年硕士论文

【摘要】：中国银行作为我国四大国有商业银行之一,为促进我国经济发展、维护金融稳定和企业可持续发展做出了巨大的贡献。目前我国所处的经济形势依然十分严峻,2011年国家经济环境呈现出了一定的滞涨的特点,即经济发展缓慢与通货膨胀同时存在,中国人民银行为了缓解通货膨胀压力与2011年先后6次上调存款准备金率、3次上调存贷款基准利率,银根的缩紧大大提高了企业的融资成本,而对于那些规模较小、利润率较低的中小企业来说,融资更是难下加难。银行作为为经济提供资金支持的核心部分,如何依靠国家政策为中小企业提供信贷方面的支持成为了新时期下我国银行业面临的新问题、新挑战,中国银行作为四大国有商业银行之一更是要认清当前的发展形势、确定发展方向,结合自身的实际情况做出最优的发展策略,为今后的发展做好准备。本文运用理论分析和实例研究、比较研究、归纳与演绎相结合的方法,从中小企业的内外部环境以及中国银行自身情况两个方面进行系统性的分析。分别运用迈克尔波特五种力量模型与SWOT模型等相关理论具体地分析中小企业所处的外部环境以及中国银行在新形势下的优势、劣势、机会与威胁,明确提出中小企业融资难是企业自身发展与社会总体利益矛盾的集中化体现。本文通过对中国银行自身情况的分析,找出其发展过程中的优势与劣势,结合其所处的自身环境以及新形势下国家发展要求,提出一套适合其今后发展的方案。本文的研究目的,就是从供应链融资业务的特点出发,结合中小企业在中国发展的内外部环境分析,试图找到该业务发展在中小企业发展中的战略思路、解决方案。
[Abstract]:As one of the four largest state-owned commercial banks in China, Bank of China has made great contributions to promoting economic development, maintaining financial stability and sustainable development of enterprises. At present, the economic situation in our country is still very serious. In 2011, the national economic environment has shown certain characteristics of stagflation, that is, the slow economic development and the existence of inflation at the same time. The people's Bank of China raised deposit and loan benchmark interest rates six times in 2011 and three times in 2011 in order to ease inflationary pressure. The tightening of money has greatly increased the financing costs of enterprises, while for those on a smaller scale, Small and medium-sized enterprises with low profit margins, financing is more difficult to add. As the core part of providing financial support to the economy, how to rely on national policies to provide credit support for small and medium-sized enterprises has become a new problem and a new challenge for China's banking industry in the new period. As one of the four state-owned commercial banks, the Bank of China should recognize the current development situation, determine the direction of development, and make the best development strategy according to its own actual situation, so as to prepare for the future development. This paper makes a systematic analysis of the internal and external environment of small and medium-sized enterprises and the situation of Bank of China from two aspects: theoretical analysis and case study, comparative study, induction and deduction. Using Michael Porter's five Force models and SWOT models, respectively, the paper analyzes the external environment of SMEs and the strengths, weaknesses, opportunities and threats of Bank of China in the new situation. It is clearly pointed out that the difficulty of financing SMEs is the centralized embodiment of the contradiction between the enterprise's own development and the overall interests of the society. By analyzing the situation of Bank of China, this paper finds out the advantages and disadvantages in the course of its development, and puts forward a set of plans suitable for the future development of the Bank of China in the light of its own environment and the requirements of national development under the new situation. The purpose of this paper is to analyze the internal and external environment of the development of small and medium-sized enterprises in China from the characteristics of the supply chain financing business, and try to find the strategic thinking and solution of the business development in the development of small and medium-sized enterprises.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】