Z银行供应链融资业务研究

发布时间：2018-06-26 12:45

本文选题：供应链融资 + 运作模式　；参考：《江西财经大学》2017年硕士论文

【摘要】：在信息化背景下,供应链融资这种变革式的信贷方式,卓有成效地解决了小型企业资金短缺的难题,构筑了金融机构和供应链的良性关系。一方面,金融机构以核心公司为突破口,将资金有针对性地提供给链条上的相关公司,帮助核心公司提升链条的稳定性,提高整体运转效率,拓宽了上下游企业融资渠道,降低了相关企业融资成本;另一方面,金融机构在面对银行民营化、资本市场化等“六化趋势”的竞争环境时,依靠供应链得到了批量获客的能力,得到了中间业务新增长点等益处,而且能够在核实贸易背景真实性的前提下发放贷款,提升了风险控制水平。本文选用Z银行为研究对象,在分析了Z银行开展供应链业务情况和问题后,提出了创新式供应链融资业务解决方案,为Z银行及其他金融机构发展此类业务提供了借鉴和参考。本文的主要研究内容如下:本文第一章为绪论,梳理了供应链融资的国内外相关理论,从选题背景、研究意义、国内外供应链融资的研究现状、研究内容和文章结构等方面,分析了供应链金融的内涵。第二章论述了供应链的基本概念,在对供应链各层级需求展开剖析的同时,研究对比了供应链融资的三种基本形式。第三章对Z银行供应链融资开展情况进行了阐述并对Z银行供应链产品体系进行了分析,另外运用了SWOT分析法,对Z银行开展供应链融资发展情况进行了分析。第四章,根据前面对Z银行供应链融资开展情况的分析,以J公司为例提出创新式供应链融资解决方案,并就方案的设计提出了相关思考。第五章,综合前文分析的相关问题提出了Z银行发展供应链融资战略的可行性建议。第六章为结论与展望。全文运用比较法、案例法、SWOT分析等方法,对供应链融资开展了深入的分析。结合本人在Z银行实际参与供应链业务的实践经验,全文虽主要是从Z银行的角度进行分析与建议,但也研究了目前金融机构发展此项业务的共性,因此使本文的解决方案更具有可行性和可操作性,可供其他金融机构及中小企业参考及借鉴。经过研究,本文对Z银行开展供应链业务的建议有以下五点:一是搭建自主平台;二是加强共享合作;三是坚持创新转型;四是完善风控体系;五是逆向发展思路。
[Abstract]:Under the background of information, supply chain financing, which is a transformational credit mode, has effectively solved the problem of capital shortage in small enterprises and constructed a benign relationship between financial institutions and supply chains. On the one hand, financial institutions take the core companies as a breakthrough point and provide funds to relevant companies on the chain in a targeted manner, helping core companies to enhance the stability of the chain, improve the overall operational efficiency, and broaden the financing channels of upstream and downstream enterprises. On the other hand, in the face of privatization of banks, capital marketization and other "six trends" competitive environment, financial institutions rely on the supply chain to get customers in bulk. Get the benefits of the new growth point of intermediary business, and can verify the authenticity of trade background on the premise of loans, improve the level of risk control. In this paper, Z Bank is chosen as the research object. After analyzing the situation and problems of Z Bank developing supply chain business, this paper puts forward the innovative solution of supply chain financing business. For Z Bank and other financial institutions to develop this kind of business to provide reference and reference. The main contents of this paper are as follows: the first chapter is the introduction, combing the domestic and foreign related theories of supply chain financing, from the background of the topic, the significance of the research, the current situation of domestic and foreign supply chain financing, the research content and the structure of the article, etc. The connotation of supply chain finance is analyzed. The second chapter discusses the basic concept of supply chain, analyzes the demand of each level of supply chain, and studies and compares three basic forms of supply chain financing. The third chapter expounds the development of Z bank supply chain financing and analyzes the product system of Z bank supply chain. In addition, it uses SWOT analysis method to analyze the development of Z bank supply chain financing. In the fourth chapter, according to the analysis of Z bank supply chain financing, the author takes J Company as an example to put forward the innovative supply chain financing solution, and puts forward the relevant thinking on the design of the scheme. In the fifth chapter, the author puts forward some feasible suggestions for Z Bank to develop supply chain financing strategy. Chapter six is the conclusion and prospect. This paper makes a deep analysis of supply chain financing by means of comparative method and case law SWOT analysis. Combined with my practical experience of participating in the supply chain business in Z Bank, this paper mainly analyzes and suggests from the angle of Z Bank, but also studies the commonness of the development of this business by financial institutions at present. Therefore, the solution of this paper is more feasible and operable, and can be used for reference by other financial institutions and small and medium-sized enterprises. Through the research, this paper has the following five suggestions to Z Bank to carry out the supply chain business: first, build the independent platform; second, strengthen the sharing cooperation; third, insist on innovation transformation; fourth, perfect the wind control system; fifth, reverse development thinking.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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