中国建设银行河北省分行开展物流银行业务研究

发布时间：2018-05-09 18:30

本文选题：商业银行 + 物流银行　；参考：《河北科技大学》2015年硕士论文

【摘要】：商业银行物流银行业务能够解决中小企业融资问题,增加商业银行利润增长点,早在20世纪80年代,西方商业银行就推出了物流银行业务,经过长期实践物流银行业务取得巨大成果。随着我国经济的快速发展,行业竞争日趋激烈,商业银行迫切需要创新银行业务,提高银行的核心竞争力。同时,随着外资银行的进入,互联网金融快速崛起,商业银行的存贷差空间越来越小,急需寻找新的利润增长途径,从而在市场竞争中获取优势。在两个因素的影响下,建设银行积极推出物流银行业务。本文就是在上述背景下对河北省建行开展物流银行业务进行了研究,主要研究过程如下:首先对物流银行的理论进行了阐述,表明了物流银行业务改变了银行传统的固定资产抵押贷款模式,鼓励中小企业使用动产作为抵押获得贷款,主要参与者是商业银行、中小企业、第三方物流公司,第三方物流公司主要是为商业银行提供信息管理帮助,不仅解决了中小企业融资问题,而且有助于商业银行业务转型,分散商业银行经营风险。此外还能推动物流企业向更加规范性发展,扩大利润增值点。其次立足建设银行河北省分行,对该行当前物流银行业务开展情况进行了介绍,并采用SWOT方法对河北建行优势、劣势、机会、威胁进行了分析,得出该行物流银行业务发展战略建议。再次笔者针对建设银行河北省分行当前产品和信贷审批过程提出了创新和优化建议,旨在提供思路,更好的推动物流银行业务的开展。最后根据实践过程中,建设银行河北省分行开展物流银行业务存在的问题,开展原因分析,并就开展物流银行业务提出风险控制策略,梳理出贷前、贷中、贷后风险控制的关注要点,以加强风险提示作用。
[Abstract]:The logistics banking business of commercial banks can solve the financing problem of small and medium-sized enterprises and increase the profit growth point of commercial banks. As early as the 1980s, western commercial banks launched logistics banking business. After long-term practice of logistics banking business achieved great results. With the rapid development of economy in our country, the competition in the industry is becoming more and more fierce. Commercial banks urgently need to innovate the banking business and improve the core competitiveness of the banks. At the same time, with the entry of foreign banks and the rapid rise of Internet finance, the gap between deposits and loans of commercial banks is becoming smaller and smaller. It is urgent to find new ways to increase profits so as to gain advantages in the market competition. Under the influence of two factors, China Construction Bank actively launched logistics banking business. This paper studies the logistics banking business of Hebei Construction Bank under the above background. The main research process is as follows: firstly, the theory of logistics bank is expounded. It shows that the logistics banking business has changed the bank's traditional fixed assets mortgage loan mode, encouraging small and medium-sized enterprises to use movable property as collateral to obtain loans. The main participants are commercial banks, small and medium-sized enterprises, and third party logistics companies. The third party logistics company mainly provides the information management help for the commercial bank, which not only solves the financing problem of the small and medium-sized enterprises, but also helps to transform the business of the commercial bank and disperse the management risk of the commercial bank. In addition, it can promote logistics enterprises to more normative development, expand profit appreciation point. Secondly, based on Hebei Branch of China Construction Bank, the paper introduces the current situation of logistics bank business development of the bank, and analyzes the advantages, disadvantages, opportunities and threats of Hebei Construction Bank by using SWOT method. Draw the bank logistics banking business development strategy recommendations. Thirdly, the author puts forward the innovation and optimization suggestions for the current product and credit approval process of Hebei Branch of China Construction Bank, in order to provide ideas and better promote the development of logistics banking business. Finally, according to the practical process, the problems existing in the development of logistics banking business in Hebei Branch of China Construction Bank, the cause analysis, and the risk control strategy for the development of logistics banking business are put forward. The key points of risk control after loan to strengthen the role of risk warning.
【学位授予单位】：河北科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F259.2

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