平安银行杭州分行供应链金融业务发展策略研究

发布时间：2018-02-22 17:15

本文关键词： 商业银行供应链金融发展策略　出处：《哈尔滨理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：供应链金融是商业银行从企业财务供应链管理的角度出发，结合企业供应链条的整个环节，，为企业在获取订单、采购原料、生产制造和货物销售等各个环节提供的，有针对性的信用增级、贷款、贸易融资、担保、国际／国内结算、理财服务、现金管理及风险参与、风险规避等各种金融产品组合的综合解决方案，是商业银行面向供应链全体成员所提供的系统性融资安排。本文通过对供应链金融发展现状、发展意义、产品概况、风险管理等方面的阐述，分析平安银行杭州分行供应链金融发展面临的主要问题，包括缺乏专业化经营的体制、传统授信管理体制不适应供应链金融的发展、电子信息技术水平落后以及缺乏完善的外部制度环境四个因素。在此基础上，本文提出了杭州平安银行供应链业务的发展策略，主要有营销策略、业务创新策略以及专业化经营策略。最后，结合存在的问题和发展策略，本文提出了供应链金融业务发展的保障措施。平安银行杭州分行不仅要不断完善自身的产品服务和内部管理，也要适应我国供应链金融生态环境。只有这样，供应链金融作为新兴的金融服务领域，才能健康蓬勃发展，才能够提高中国银行业在全球的综合竞争力，才能帮助中国企业及其整个供应链条获得可持续的竞争能力，以快速适应全球化的竞争。
[Abstract]:Supply chain finance is provided by commercial banks from the point of view of enterprise financial supply chain management, combining with the whole link of enterprise supply chain, for enterprises to obtain orders, purchase raw materials, manufacture and sell goods, etc. Comprehensive solutions for targeted credit enhancement, loans, trade finance, guarantees, international / domestic settlement, financial services, cash management, risk participation, risk aversion and other financial product portfolios, It is a systematic financing arrangement provided by commercial banks to all members of the supply chain. Based on the analysis of the current situation of supply chain finance development, significance of development, product profile, risk management and other aspects, this paper analyzes the main problems facing the development of supply chain finance in Hangzhou Branch of Ping an Bank, including the lack of a system of specialized management. The traditional credit management system is not suitable for the development of supply chain finance, the level of electronic information technology is backward, and the external institutional environment is not perfect. On this basis, this paper puts forward the development strategy of supply chain business of Hangzhou Ping an Bank. There are mainly marketing strategy, business innovation strategy and specialized management strategy. Finally, combined with the existing problems and development strategies, this paper puts forward the guarantee measures for the development of supply chain financial business. The Hangzhou Branch of Ping an Bank should not only continuously improve its own products, services and internal management, but also adapt to the ecological environment of supply chain finance in China. Only in this way, can supply chain finance, as a new financial service field, develop healthily and vigorously. In order to improve the comprehensive competitiveness of Chinese banking industry in the world, and to help Chinese enterprises and their entire supply chain to achieve sustainable competitiveness, in order to quickly adapt to the globalization of competition.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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