中国银行供应链融资业务模式与风险研究

发布时间：2018-06-03 21:58

本文选题：供应链融资 + 融资模式　；参考：《浙江工业大学》2014年硕士论文

【摘要】：随着市场经济的发展,供应链融资作为新型融资方式,不仅能有效缓解供应链上下游中小企业的融资难问题,对银行来说,也能通过“一对多”的批量化营销,直接满足优质上下游企业多方位需求,密切与核心企业的合作关系,从而有效解决中小企业资金短缺及融资困难的问题,因此被广泛关注。中国银行的供应链融资业务虽然发展较快,但也在授信政策、营销渠道、队伍建设等方面存在一些问题,制约了供应链融资业务的进一步发展。本文结合近年来国内外供应链金融的相关理论,分析供应链融资业务现状,在供应链融资的模式及其风险控制点上进行了着重研究：重点对企业客户供应链融资需求、供应链融资产品结构、供应链融资模式存在的主要问题及其风险控制等做了问卷调查与访谈；本文还针对中国银行在近年的在线供应链融资项目、新模式下的产品创新案例及风险点的探讨,设计出符合供应链上下游需求的全方位、结构化的服务方案。通过立足于在线融资项目的打造,研发全方位控制授信风险的新模式等供应链创新项目；最后还针对中国银行发展供应链融资业务提出了建立供应链融资业务组织架构、完善供应链融资业务内控机制、培养供应链融资业务专业人才、促进供应链融资电子化建设等建议。本论文研究不仅为我国供应链业务开展做了理论分析,其业务模式与风险点分析对今后银行业的业务发展具有实际借鉴意义。
[Abstract]:With the development of market economy and the financing of supply chain as a new financing way , not only can the financing difficulty of small and medium - sized enterprises in the upstream and downstream of the supply chain can be effectively alleviated , but also the cooperation relation between the high - quality upstream and downstream enterprises can be directly met through the " one - to - many " batch marketing .
In this paper , we design a comprehensive and structured service plan which accords with the demand of upstream and downstream of the supply chain in view of the online supply chain financing project of Bank of China in recent years , the product innovation cases and the risk points in the new mode .
Finally , it puts forward some suggestions on establishing supply chain financing business organization structure , perfecting the internal control mechanism of supply chain financing business , cultivating the professional talents of supply chain financing business and promoting the electronic construction of supply chain financing . The research not only makes theoretical analysis for the supply chain operation in China , but also has practical reference significance for the future banking business development .
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F274

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