CS银行供应链金融业务发展问题研究

发布时间：2018-01-16 10:12

本文关键词：CS银行供应链金融业务发展问题研究　出处：《广西大学》2017年硕士论文　论文类型：学位论文

【摘要】：经济全球化、市场竞争激烈化、顾客需求个性化、企业流程复杂化是当今金融市场竞争的基本特征。企业之间的竞争不仅是市场份额、客户维护、企业内部管理之间的竞争,更多的转化为供应链之间的竞争。供应链金融作为国内外商业银行的新兴金融业务,将物流与金融、商业资本与金融资本有机联系起来,提高了金融资本的使用效率,并为中小企业融资难问题的解决提供了思路,从而积极地促进了国民经济发展。如何构建有序的供应链金融体系,协调供应链成员之间的关系,使供应链企业通力合作,降低供应链运作成本,提高资金使用效率是我国商业银行面临的一大难题。因此,研究商业银行供应链金融业务的发展现状,发现其开展供应链金融业务中出现的问题,并提出解决方案具有重要意义。本文首先从概念、优势与构成、主要模式和理论依据等四个角度对供应链金融的基本理论进行了介绍。供应链金融的优势主要包括有效提升银行金融服务水平、加强银企双赢,实现互利共赢和有助于解决中小企业融资难的问题。供应链金融的主要模式包括应收账款融资、库存融资和预付款融资三种。供应链金融的理论依据包括信息不对称理论、自偿性贸易融资理论和委托代理理论三方面。进一步,本文以CS银行为案例,介绍了商业银行开展供应链金融业务的动因,以及从发展概况、业务种类、客户特点和风险管理四个维度阐述了 CS银行供应链金融业务的发展现状。在此基础上,总结了 CS银行在供应链金融业务发展过程中存在的问题。本文认为,在运营管理方面,CS银行存在缺乏完善的授信评估体系、贷款审批环节过长等问题;在信息管理方面,CS银行存在信息化程度较低的问题;在风险管理方面,CS银行存在风控措施手段单一、风控体系不够健全等问题;在融资产品设计方面,CS银行存在产品缺乏灵活性、市场响应速度慢和品种单一等问题;在市场影响方面,存在大客户关系维护困难、中小企业客户有待开发和“全球化”业务有待加强等问题。最后,本文就如何解决这些问题,提供了对策建议。我国其他商业银行可借鉴这些建议,为其开展供应链金融业务提供理论支持和实践指导。最后,对研究存在的不足进行总结,以此为今后其他学者的研究奠定基础,不断丰富商业银行供应链金融方面的研究成果。
[Abstract]:Economic globalization, fierce market competition, individualized customer demand and complicated business process are the basic characteristics of financial market competition. The competition among enterprises is not only market share, but also customer maintenance. Competition between internal management of enterprises, more into the competition between the supply chain. Supply chain finance as a new financial business of domestic and foreign commercial banks, logistics and finance. The combination of commercial capital and financial capital improves the efficiency of the use of financial capital, and provides a way to solve the problem of financing for small and medium-sized enterprises. Thus actively promote the development of the national economy. How to build an orderly supply chain financial system, coordinate the relationship between the members of the supply chain, so that supply chain enterprises cooperate to reduce the cost of supply chain operation. To improve the efficiency of the use of funds is a big problem faced by commercial banks in China. Therefore, this paper studies the current situation of the development of the supply chain financial business of commercial banks and finds out the problems in the development of the supply chain financial business. And put forward the solution is of great significance. First of all, this paper from the concept, advantages and composition. This paper introduces the basic theory of supply chain finance from four aspects: the main mode and the theoretical basis. The advantages of supply chain finance mainly include improving the level of banking financial services effectively and strengthening the win-win situation of banks and enterprises. The main modes of supply chain finance include accounts receivable financing. The theoretical basis of supply chain finance includes information asymmetry theory, self-compensated trade finance theory and principal-agent theory. Further, this paper takes CS Bank as an example. This paper introduces the reasons for commercial banks to carry out the supply chain financial business, as well as the general situation of development, business types. Customer characteristics and risk management of the four dimensions of CS bank supply chain financial business development status. On this basis. This paper summarizes the problems of CS Bank in the development of supply chain financial business. In the aspect of operation and management, there are some problems in CS Bank, such as lack of perfect credit evaluation system, too long loan approval process and so on. In the aspect of information management, CS bank has the problem of low information level; In the aspect of risk management, the risk control measures of CS bank are single and the risk control system is not perfect enough. In the aspect of financing product design, CS Bank has some problems, such as lack of flexibility, slow market response and single variety. In the aspect of market influence, there are some problems such as the difficulty of maintaining large customer relationship, the need to develop small and medium-sized enterprises' customers and the need to strengthen the "globalization" business, etc. Finally, how to solve these problems is discussed in this paper. Other commercial banks in China can use these suggestions for reference to provide theoretical support and practical guidance for the development of supply chain financial services. Finally, the shortcomings of the research are summarized. So as to lay a foundation for the future research of other scholars and enrich the research results of commercial bank supply chain finance.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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