本文選題：小微企業(yè)　切入點(diǎn)：民生銀行　出處：《湖南大學(xué)》2013年碩士論文

【摘要】：小微企業(yè)在中國當(dāng)代經(jīng)濟(jì)發(fā)展中充當(dāng)著重要的角色，但資金的缺乏始終制約著小微企業(yè)的發(fā)展。然而商業(yè)銀行卻始終無法對小微企業(yè)給予強(qiáng)有力的支持。隨著問題的暴露，小微企業(yè)融資逐漸得到關(guān)注。民生銀行是國內(nèi)首家以扶持小微為己任，致力推動小微金融，促進(jìn)小微企業(yè)成長的商業(yè)銀行。憑借其商貸通的特點(diǎn)與供應(yīng)鏈金融的產(chǎn)品優(yōu)勢，民生銀行在小微金融方面處于國內(nèi)領(lǐng)先地位。 同時，隨著互聯(lián)網(wǎng)技術(shù)和電子商務(wù)業(yè)務(wù)的飛速發(fā)展，原有的商業(yè)模式發(fā)生了巨大的改變。電子商務(wù)以高效低成本的平臺培育了大量依賴其生存的小微企業(yè)，網(wǎng)絡(luò)平臺成為小微企業(yè)最主要的銷售渠道。外界商業(yè)環(huán)境的變化也促使商業(yè)銀行尋求與電子商務(wù)的結(jié)合。并且有部分電子商務(wù)平臺主動跨界，涉及小額貸款業(yè)務(wù)。作為國內(nèi)小微金融開拓者，民生銀行積極響應(yīng)小微金融市場的變化，主動尋求可行的方式與電子商務(wù)進(jìn)行合作，以適應(yīng)市場的發(fā)展。 在上述背景下，，論文首先分析了在當(dāng)前金融環(huán)境下民生銀行在小微金融領(lǐng)域面臨的挑戰(zhàn)與機(jī)遇。然后以民生銀行為核心，將供應(yīng)鏈金融與電子商務(wù)相結(jié)合，構(gòu)建一個集民生銀行、小微企業(yè)、電子商務(wù)平臺與物流企業(yè)于一體的電子供應(yīng)鏈模式，從而適應(yīng)當(dāng)今經(jīng)濟(jì)的發(fā)展。論文將從電子供應(yīng)鏈模式的背景、構(gòu)建思路、業(yè)務(wù)流程與優(yōu)勢特點(diǎn)等方面對該模式進(jìn)行全面的闡述。接著通過商業(yè)模式的發(fā)展趨勢、市場的需求、參與各方的收益、民生與電子商務(wù)的現(xiàn)有合作基礎(chǔ)、電子供應(yīng)鏈模式風(fēng)險的可控等五個方面分析了民生銀行電子供應(yīng)鏈模式的可行性。最后，文章在結(jié)論部分指出將商業(yè)銀行業(yè)務(wù)與電子商務(wù)的結(jié)合既能促進(jìn)小微企業(yè)的發(fā)展，也符合銀行未來發(fā)展的戰(zhàn)略布局。
[Abstract]:Small and micro enterprises play an important role in China's contemporary economic development, but the lack of funds has always restricted the development of small and micro enterprises.However, commercial banks have been unable to give strong support to small and micro enterprises.With the exposure of the problem, small and micro-enterprise financing has gradually been concerned.Minsheng Bank is the first commercial bank in China to support the small and micro, to promote small and micro finance and promote the growth of small and micro enterprises.With its characteristics of commercial and lending and the product advantage of supply chain finance, Minsheng Bank is in the leading position in small and micro finance.At the same time, with the rapid development of internet technology and e-commerce, the original business model has changed greatly.E-commerce has cultivated a large number of small and micro enterprises depending on its survival on the platform of high efficiency and low cost, and the network platform has become the most important sales channel for small and micro enterprises.The change of the external business environment also urges the commercial bank to seek the union with the e-commerce.And some e-commerce platforms cross-border actively, involving small loans business.As a pioneer of micro-finance in China, Minsheng Bank actively responds to the changes of microfinancial market and actively seeks feasible ways to cooperate with e-commerce in order to adapt to the development of market.Under the above background, this paper first analyzes the challenges and opportunities that Minsheng Bank faces in the field of microfinance under the current financial environment.Then, taking Minsheng Bank as the core, combining supply chain finance with electronic commerce, this paper constructs an electronic supply chain model which integrates Minsheng Bank, small and micro enterprises, electronic commerce platform and logistics enterprises, so as to adapt to the development of today's economy.In this paper, the background, construction idea, business process and advantages of the electronic supply chain model are discussed.Then through the development trend of the business model, the market demand, the income of all parties involved, the existing cooperation foundation between people's livelihood and electronic commerce,This paper analyzes the feasibility of the electronic supply chain model of Minsheng Bank from five aspects, such as the controllable risk of the electronic supply chain model.Finally, in the conclusion part, it is pointed out that the combination of commercial banking and electronic commerce can not only promote the development of small and micro enterprises, but also accord with the strategic layout of the future development of banks.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 楊晏忠;;論商業(yè)銀行供應(yīng)鏈金融的風(fēng)險防范[J];金融論壇;2007年10期

2 劉迎歡;史臣旭;;線上供應(yīng)鏈金融模式探究[J];東方企業(yè)文化;2012年06期

3 李永峰,張明慧,楊楠;現(xiàn)階段我國中小企業(yè)融資問題研究[J];工業(yè)技術(shù)經(jīng)濟(jì);2004年01期

4 高正平;趙建強(qiáng);;競爭深化、信息成本與小企業(yè)信貸技術(shù)創(chuàng)新——民生銀行“商貸通”的啟示[J];金融論壇;2012年07期

5 李斌;;商業(yè)銀行支持小微企業(yè)融資路徑創(chuàng)新分析[J];長白學(xué)刊;2013年01期

6 張杰青;關(guān)系借貸與中小企業(yè)融資[J];華東經(jīng)濟(jì)管理;2002年03期

7 鄭九歌;;積極的小微企業(yè)信貸政策研究[J];經(jīng)濟(jì)與管理;2012年01期

8 林越;;搞活小微企業(yè)金融服務(wù)的理論思考[J];經(jīng)濟(jì)師;2012年03期

9 李衛(wèi)姣;馬漢武;;基于B2B的供應(yīng)鏈融資模式研究[J];科技與管理;2011年04期

10 任文超;物資“銀行”及其實(shí)踐[J];科學(xué)決策;1998年02期

本文編號：1711239