民生银行跨境电商金融服务方案优化研究

发布时间：2019-07-04 20:04

【摘要】：从2011-2014年,跨境电子商务出现了每年30%以上的增长,成为未来驱动外贸发展的新动力。跨境电子商务是互联网时代的新兴贸易方式,不同国别交易双方借助网络通讯技术达成商贸交易,甚至可借助大数据分析预测、引导消费,进而促成交易。该贸易方式的发展,有效降低了商务交易的搜索、撮合等成本,大幅扩展了交易的空间和时间。本文通过对文献研究发现不乏对跨境电商的模式、安全性防范等方面的研究,但针对跨境电商银行提供金融服务的方案设计的相关方面的文献相对较少,因此本文参考供应链金融的相关文献,从跨境电商的供应链角度,结合跨境电商的信息流、资金流、物流进行分析,结合民生银行自身跨境电商发展的现状以及银行电子商务服务的实际情况设计相配套的跨境电商金融服务方案,并针对性提出相对应的政策建议。根据当前电子商务的发展现状、同行发展跨境电商金融服务以及民生银行发展跨境电商金融服务的实际情况,本文发现当前民生银行采用的是与建行类似的自建电子商务平台的发展模式,由于效果并不明显,跨境电商金融服务发展相对落后。因此结合跨境电商的供应链环节,本文针对综合服务平台批量开发短险融资、退税账户质押融资和国际信用证业务;依托供应链公司或民生电商批量开发存货及预付款融资,和对接电子商务应用企业的ERP系统开发在线融资进行金融服务方案优化,并对上述方案的风险控制关键点和收益进行分析;同时,针对跨境电商中的支付结算业务,及为跨境电商中提供融资和支付的全程服务,本文优化了在跨境电商中的外币支付和资金回流方案;最后本文针对各方案以及跨境电商自身特点,提出了民生银行发展跨境电商金融服务的政策建议。虽然在过去的两年民生银行的电子商务的发展相对于其他银行相对偏慢,但本文认为民生银行能在跨境电商金融服务方面迎头赶上,在跨境电商的蓝海中定能找到发展的新契机。
[Abstract]:From 2011 to 2014, cross-border e-commerce has grown by more than 30% a year, which has become a new driving force driving the development of foreign trade in the future. Cross-border e-commerce is a new way of trade in the Internet era. Different national transactions can be achieved by means of network communication technology, and even can be analyzed and predicted by big data to guide consumption and thus promote transactions. The development of this trade mode effectively reduces the search, matchmaking and other costs of business transactions, and greatly expands the space and time of transactions. Through the literature research, this paper finds that there is no lack of research on the model and security prevention of cross-border e-commerce, but there is relatively little literature on the design of financial services provided by cross-border e-commerce banks. Therefore, this paper refers to the relevant literature of supply chain finance, from the perspective of cross-border e-commerce supply chain, combined with the information flow, capital flow and logistics of cross-border e-commerce. According to the present situation of Minsheng Bank's own cross-border e-commerce development and the actual situation of bank e-commerce service, a matching cross-border e-commerce financial service scheme is designed, and the corresponding policy suggestions are put forward. According to the current situation of e-commerce development, peer development of cross-border e-commerce financial services and Minsheng Bank's development of cross-border e-commerce financial services, this paper finds that Minsheng Bank adopts a development model similar to CCB's self-built e-commerce platform. Because the effect is not obvious, the development of cross-border e-commerce financial services is relatively backward. Therefore, combined with the supply chain link of cross-border ecommerce, this paper aims at the integrated service platform to develop short insurance financing, tax refund account pledge financing and international letter of credit business, rely on supply chain company or Minsheng e-commerce company to develop online financing to optimize the financial service scheme, and analyze the risk control key points and benefits of the above scheme. At the same time, aiming at the payment and settlement business in cross-border e-commerce and the whole service of financing and payment in cross-border e-commerce, this paper optimizes the foreign currency payment and capital return scheme in cross-border e-commerce. Finally, according to each scheme and the characteristics of cross-border e-commerce, this paper puts forward some policy suggestions for Minsheng Bank to develop cross-border e-commerce financial services. Although the development of e-commerce of Minsheng Bank in the past two years is relatively slow compared with other banks, this paper holds that Minsheng Bank can catch up with cross-border e-commerce financial services and find new opportunities for development in the Blue Sea of cross-border e-commerce.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.33

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