中国银行江苏省分行供应链金融业务的发展策略

发布时间：2018-03-14 18:36

本文选题：供应链金融　切入点：江苏中行　出处：《南京大学》2017年硕士论文　论文类型：学位论文

【摘要】：全球经济一体化背景下,企业之间的竞争逐渐成为整体供应链各环节之间的竞争,国内各家商业银行顺应企业全球化发展趋势,满足企业供应链整体金融服务需求,积极开展面向供应链的金融业务,抢占业务发展新的"制高点",以便加快企业转型发展。越来越多的供应链运作方式取代了原本单一的以不动产担保为主的贷款方式,能够解决企业融资需求的难题。供应链金融是指银行通过整合供应链财务资源,为供应链上的核心企业和中小企业提供的一整套资金解决方案。作为五大国有商业银行之一,中国银行江苏省分行清楚地认识到开展供应链金融业务的重要性,并着力于供应链金融业务领域的探索,加大创新力度。所以,对中国银行江苏省分行供应链金融业务的发展现状及存在的不足进行分析研究,并提出相关发展策略,对中国银行江苏省分行及国内其他商业银行在供应链金融业务领域拓展新的市场具有积极意义和实践价值。本文梳理了供应链金融业务开展的内涵、背景和相关理论;以中国银行江苏省分行(下称"江苏中行")为研究对象,结合作者在江苏中行长期从事供应链金融业务的实践经验,归纳总结了近年来江苏中行供应链金融业务发展历史、业务的主要产品、客户和特点;同时由于发展中仍存在诸多问题,通过对国内其他金融机构供应链金融业务发展经验的分析,指出其供应链金融业务发展的实践经验;最后本文指出江苏中行在产品创新和发展、内部管理控制和在线系统建设方面存在的不足,提出了江苏中行应重点关注供应链金融业务产品的创新、内部流程及风险防控体系的优化和信息系统及人才技术的加强等三方面业务拓展的思路和策略,希望能够有助于江苏中行改善信贷业务结构和客户结构,增强核心企业对江苏中行的依赖度,降低江苏中行授信资产风险,提高整体盈利水平,为江苏中行业务转型发展提供一定的战略性建议。
[Abstract]:Under the background of global economic integration, competition among enterprises has gradually become the competition among all links of the whole supply chain. Domestic commercial banks conform to the trend of enterprise globalization and meet the overall financial service demand of the enterprise supply chain. Actively develop supply-chain oriented financial services, seize the new "commanding heights" of business development, so as to speed up the transformation and development of enterprises. More and more supply chain operations have replaced the original single way of lending based on real estate guarantees. Supply chain finance is a set of financial solutions provided by banks to the core enterprises and small and medium-sized enterprises in the supply chain by integrating the financial resources of the supply chain. As one of the five state-owned commercial banks, The Bank of China Jiangsu Branch clearly recognizes the importance of carrying out the supply chain financial business, and focuses on the exploration of the supply chain financial business field and increases its innovation. This paper analyzes the current situation and shortcomings of the supply chain financial business of Bank of China Jiangsu Branch, and puts forward relevant development strategies. It has positive significance and practical value for Bank of China Jiangsu Branch and other domestic commercial banks to expand new market in the field of supply chain finance business. Taking Bank of China Jiangsu Branch (hereinafter referred to as "Bank of China Jiangsu Province") as the research object, combined with the author's long-term experience in the supply chain finance business of Jiangsu Bank of China, this paper summarizes the development history of supply chain finance business of Bank of China in Jiangsu Province in recent years. The main products, customers and characteristics of the business, at the same time, because there are still many problems in the development, through the analysis of the experience of other domestic financial institutions in the development of supply chain financial business, the paper points out the practical experience of the development of the supply chain financial business. Finally, this paper points out the shortcomings of BOC in product innovation and development, internal management control and online system construction, and points out that Bank of Jiangsu should focus on the innovation of supply chain financial business products. The optimization of internal process and risk prevention and control system and the strengthening of information system and talent technology are the three aspects of thinking and strategy of business expansion, hoping to help the Bank of Jiangsu to improve the credit business structure and customer structure. Enhancing the reliance of the core enterprises on the Bank of Jiangsu, reducing the risk of the Bank of Jiangsu credit assets, improving the overall profitability level, and providing some strategic suggestions for the business transformation and development of Bank of China in Jiangsu Province.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F274;F832.2

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