中国银行河北省分行供应链金融业务的应用分析

发布时间：2018-05-24 15:11

本文选题：供应链金融 + 中国银行河北省分行　；参考：《河北金融学院》2017年硕士论文

【摘要】：金融危机过后,世界经济总量收缩,各行各业发展缓慢,银行为避免风险也收缩信贷,利润随之大幅度下降。为改变这种局面,企业之间开始转变生产方式,供应链生产模式便成为了企业之间首要的选择。企业较量主要体现在供应链之间的角逐,因而企业便将关注重点放在了供应链管理上。随后供应链金融伴着供应链管理的逐渐兴盛而慢慢的兴起。面对中小企业难以筹集资金的困境,供应链金融根据企业之间的合作对全部资金流进行整合,成为克服该困境的一项新举措。除此之外,供应链金融是商业银行的一项创新业务,改善了商业银行因传统信贷业务收缩而面临的利润下滑的困顿局面。因此,对商业银行怎样开展供应链金融业务,应对该项业务不足与风险,并通过什么措施克服这些不足的深入探讨是极其必要的。本文把中国银行河北省分行的供应链金融当做研究对象。首先是对本文的选题背景,研究目的和意义以及创新点与不足等内容做了梳理总结;然后对中国银行河北省分行的供应链金融的发展状况做了分析:先简单陈述了中国银行河北省分行供应链金融的基本概况,其次调查了河北省供应链金融的市场需求来说明供应链金融这项业务开展的必要性,另外还概括了中国银行河北省分行开展供应链金融业务的特点和优势,又列举了这项业务在实践中的具体应用。根据这些阐述,指出了中国银行河北省分行的供应链金融业务还有这些不足:产品种类少,信息系统不完善、风险管理思想落后、服务范围狭小等。最后,针对存在的这些问题,从银行自身的角度出发提出了要丰富供应链金融产品种类、提高信息技术,加强信息系统平台建设、更新风险管理理念、拓宽供应链金融服务范围等措施,希望供应链金融的进展更加完善,同时希望本文能够给其他银行同业的供应链金融业务提供一定的参考意义。
[Abstract]:After the financial crisis, the world economy contracted, the development of all kinds of industries was slow, banks also contracted credit to avoid risk, and profits fell sharply. In order to change this situation, enterprises begin to change the mode of production, supply chain production mode has become the first choice between enterprises. Enterprise competition is mainly reflected in the competition between supply chains, so enterprises will focus on supply chain management. Then supply chain finance with the gradual prosperity of supply chain management and slowly rise. Faced with the difficulty of raising funds for small and medium-sized enterprises, supply chain finance integrates all capital flows according to the cooperation between enterprises, which becomes a new measure to overcome this dilemma. In addition, supply chain finance is an innovative business of commercial banks, improving the decline in profits faced by commercial banks due to the contraction of traditional credit operations. Therefore, it is very necessary to discuss how to develop the supply chain financial business, how to deal with the shortage and risk of the business, and what measures to overcome these deficiencies. This article regards the supply chain finance of Bank of China Hebei Branch as the research object. First of all, the background of this paper, the purpose and significance of the research as well as innovative points and shortcomings are summarized. Then it analyzes the development of supply chain finance of Bank of China Hebei Branch: firstly, it simply states the basic situation of supply chain finance of Bank of China Hebei Branch. Secondly, it investigates the market demand of supply chain finance in Hebei Province to explain the necessity of developing supply chain finance business, and summarizes the characteristics and advantages of Hebei Branch of Bank of China in carrying out supply chain finance business. The application of this business in practice is also listed. According to these exposition, the author points out that the supply chain financial business of Bank of China Hebei Branch has these shortcomings: few products, imperfect information system, backward risk management thought, narrow service scope, etc. Finally, in view of these problems, this paper puts forward the idea of enriching the financial products in the supply chain, improving information technology, strengthening the construction of information system platform and renewing the risk management idea from the point of view of the bank itself. It is hoped that the development of supply chain finance will be more perfect, and that this paper can provide some reference significance for the supply chain financial business of other banks.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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