商业银行供应链金融解决方案的研究
发布时间：2018-08-14 15:40
【摘要】：近十年以来，企业之间的竞争逐渐升级为产业链的竞争，而构成整个产业链生态系统的核心企业和中小企业的供应链协同变得越发重要，其中供应链动态性和不确定性，全球化的供应商和客户网络，瞬息万变的市场变化，供应链上成本优化的压力等都成为供应链金融需求产生的重要原因。商业银行的供应链金融解决方案从资金流出发，从资金流的角度将供应链上的节点和参与主体联系到一起，逐步实现供应链各节点企业的信息共享与战略协同，以改善供应链协同的关键流程，提高供应链整体绩效。 2008年的金融危机进一步加速了国内众多核心企业推进供应链协同的步伐。但是，当前供应链协同基本忽略了财务供应链在其中的关键作用，资金与信用的失衡可能会导致供应链管理的低效率。本文在梳理了供应链金融的相关理论，概况总结一些相关应用和实践的基础上，着重以一些国内外供应链金融领先银行的典型运作模式为例，，分析和总结商业银行供应链金融解决方案，并针对当今在电子商务的驱动下，供应链的主要发展趋势，并用供应链金融为战略发展方向的深圳发展银行的电子化平台解决方案为案例，分析供应链金融线上化，力图将金融服务（资金流）无缝嵌入供应链，实现与商流、物流、信息流的协同，实现金融产品的网银化、营销的网络化、服务的在线化、风控的标准化和合规的自动化，进一步强化差异化发展和特色经营的优势，试图为商业银行通过发展战略的集中化和经营策略的差异化营造经营特色，提供一个分析和研究的样本。
[Abstract]:In the past ten years, the competition among enterprises has been gradually upgraded to the competition of industrial chain, and the supply chain coordination between the core enterprises and the small and medium-sized enterprises, which constitute the whole ecosystem of the industrial chain, has become more and more important, in which the supply chain is dynamic and uncertain. The global network of suppliers and customers, the ever-changing market changes, and the pressure of cost optimization in supply chain are the important reasons for the financial demand of supply chain. The financial solutions of the supply chain of commercial banks are issued from the capital outflow, connecting the nodes and the participants in the supply chain from the point of view of the capital flow, and gradually realizing the information sharing and strategic synergy of the enterprises in each node of the supply chain. In order to improve the key process of supply chain coordination and improve the overall performance of supply chain, the financial crisis in 2008 further accelerated the pace of domestic core enterprises to promote supply chain coordination. However, at present, supply chain coordination basically ignores the key role of financial supply chain, and the imbalance between capital and credit may lead to the low efficiency of supply chain management. On the basis of combing the relevant theories of supply chain finance and summarizing some related applications and practices, this paper focuses on the typical operation models of some leading banks in supply chain finance at home and abroad. This paper analyzes and summarizes the solutions to the supply chain finance of commercial banks, and aims at the main development trend of the supply chain driven by electronic commerce. Taking the electronic platform solution of Shenzhen Development Bank, which is the strategic development direction of supply chain finance, as an example, this paper analyzes the line of supply chain finance, and tries to embed financial service (capital flow) seamlessly in supply chain to realize business flow and logistics. With the cooperation of information flow, we can realize the network silver of financial products, the network of marketing, the online service, the standardization of wind control and the automation of compliance, so as to further strengthen the advantages of differentiated development and characteristic management. This paper attempts to provide a sample of analysis and research for commercial banks to construct management characteristics through centralization of development strategies and differentiation of management strategies.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F832.2
本文编号：2183341
[Abstract]:In the past ten years, the competition among enterprises has been gradually upgraded to the competition of industrial chain, and the supply chain coordination between the core enterprises and the small and medium-sized enterprises, which constitute the whole ecosystem of the industrial chain, has become more and more important, in which the supply chain is dynamic and uncertain. The global network of suppliers and customers, the ever-changing market changes, and the pressure of cost optimization in supply chain are the important reasons for the financial demand of supply chain. The financial solutions of the supply chain of commercial banks are issued from the capital outflow, connecting the nodes and the participants in the supply chain from the point of view of the capital flow, and gradually realizing the information sharing and strategic synergy of the enterprises in each node of the supply chain. In order to improve the key process of supply chain coordination and improve the overall performance of supply chain, the financial crisis in 2008 further accelerated the pace of domestic core enterprises to promote supply chain coordination. However, at present, supply chain coordination basically ignores the key role of financial supply chain, and the imbalance between capital and credit may lead to the low efficiency of supply chain management. On the basis of combing the relevant theories of supply chain finance and summarizing some related applications and practices, this paper focuses on the typical operation models of some leading banks in supply chain finance at home and abroad. This paper analyzes and summarizes the solutions to the supply chain finance of commercial banks, and aims at the main development trend of the supply chain driven by electronic commerce. Taking the electronic platform solution of Shenzhen Development Bank, which is the strategic development direction of supply chain finance, as an example, this paper analyzes the line of supply chain finance, and tries to embed financial service (capital flow) seamlessly in supply chain to realize business flow and logistics. With the cooperation of information flow, we can realize the network silver of financial products, the network of marketing, the online service, the standardization of wind control and the automation of compliance, so as to further strengthen the advantages of differentiated development and characteristic management. This paper attempts to provide a sample of analysis and research for commercial banks to construct management characteristics through centralization of development strategies and differentiation of management strategies.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F274;F832.2
【参考文献】
相关期刊论文 前2条
1 杨绍辉;从商业银行的业务模式看供应链融资服务[J];物流技术;2005年10期
2 冯耕中;;物流金融业务创新分析[J];预测;2007年01期
本文编号：2183341
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