本文選題：股份制商業(yè)銀行 + 供應(yīng)鏈金融�。� 參考：《河北大學(xué)》2013年碩士論文

【摘要】：目前國內(nèi)主流股份制商業(yè)銀行均把如何支持中小企業(yè)發(fā)展、解決中小企業(yè)融資難問題列入戰(zhàn)略發(fā)展議題。部分銀行也推出了“供應(yīng)鏈金融”產(chǎn)品。該產(chǎn)品緊緊依托企業(yè)上下游供應(yīng)鏈，形成貨物流、資金流、信息流相結(jié)合的業(yè)務(wù)特點(diǎn)，在銀行風(fēng)險(xiǎn)可控的基礎(chǔ)上，為企業(yè)提供低成本、高效率的融資。因此本文擬充分運(yùn)用供應(yīng)鏈管理的相關(guān)理論，結(jié)合股份制銀行供應(yīng)鏈金融產(chǎn)品和中小企業(yè)融資的現(xiàn)狀和特點(diǎn)，提出合理的供應(yīng)鏈金融服務(wù)機(jī)制，以緩解目前中小企業(yè)融資難的問題。 本文首先對(duì)供應(yīng)鏈及供應(yīng)鏈金融的理論基礎(chǔ)進(jìn)行了研究，中小企業(yè)供應(yīng)鏈融資，是一個(gè)供應(yīng)鏈管理與中小企業(yè)融資交錯(cuò)的體系。因此研究涉及到供應(yīng)鏈管理、融資、信息經(jīng)濟(jì)學(xué)等相關(guān)理論。在運(yùn)用信息經(jīng)濟(jì)學(xué)的基礎(chǔ)上，研究供應(yīng)鏈管理與現(xiàn)代股份制商業(yè)銀行銀行融資的關(guān)系，進(jìn)而對(duì)中小企業(yè)供應(yīng)鏈金融進(jìn)行理論和實(shí)踐分析。 然后針對(duì)我國目前中小企業(yè)的融資現(xiàn)狀進(jìn)行了分析，依據(jù)相關(guān)的數(shù)據(jù)和調(diào)查結(jié)果，總體分析我國中小企業(yè)所處的融資環(huán)境，包括融資用途、融資方式、融資價(jià)格，并剖析中小企業(yè)融資難問題的深層次原因；利用相關(guān)案例對(duì)中小企業(yè)的融資難的問題進(jìn)行深入解剖。 結(jié)合股份制商業(yè)銀行供應(yīng)鏈金融發(fā)展淵源及實(shí)質(zhì)案例分析得到解決問題的答案。首先分析供應(yīng)鏈金融對(duì)于股份制商業(yè)銀行的價(jià)值；其次分析股份制商業(yè)銀行供應(yīng)鏈金融發(fā)展現(xiàn)狀，并提出存在的不足；最后通過股份制商業(yè)銀行供應(yīng)鏈金融的案例分析，提出取得的成果、找到解決的對(duì)策。 銀行的發(fā)展及風(fēng)險(xiǎn)是把雙刃劍，怎樣在即快即好做大規(guī)模提升效益的同時(shí)科學(xué)合理的控制風(fēng)險(xiǎn)底線也是本文研究的重點(diǎn)。對(duì)發(fā)展供應(yīng)鏈金融的策略、對(duì)策及風(fēng)險(xiǎn)控制進(jìn)行了分析，結(jié)合上述對(duì)中小企業(yè)和股份制銀行供應(yīng)鏈融資的研究，提出股份制商業(yè)銀行供應(yīng)鏈金融的發(fā)展對(duì)策以及解決方案，包括供應(yīng)鏈金融的基本框架和方案，以及金融風(fēng)險(xiǎn)的控制，利用模糊綜合評(píng)價(jià)法實(shí)證分析了供應(yīng)鏈金融中對(duì)中小企業(yè)的風(fēng)險(xiǎn)評(píng)估模型的建立過程。最后，，對(duì)全文的研究內(nèi)容進(jìn)行了總結(jié)。
[Abstract]:At present, domestic mainstream joint-stock commercial banks have included how to support the development of small and medium-sized enterprises and how to solve the financing difficulties of small and medium-sized enterprises. Some banks have also launched supply chain finance products. This product closely relies on the upstream and downstream supply chain of enterprises to form the business characteristics of goods flow, capital flow and information flow. On the basis of controllable bank risk, the product provides low cost and high efficiency financing for enterprises. Therefore, this paper intends to make full use of the relevant theories of supply chain management, combined with the current situation and characteristics of the supply chain financial products of joint-stock banks and the financing of small and medium-sized enterprises, and puts forward a reasonable supply chain financial service mechanism. In order to alleviate the current financing difficulties of small and medium-sized enterprises. Firstly, this paper studies the theoretical basis of supply chain and supply chain finance. Supply chain financing for SMEs is a system of supply chain management and financing interleaving with SMEs. Therefore, the research involves supply chain management, financing, information economics and other related theories. Based on the application of information economics, this paper studies the relationship between supply chain management and bank financing of modern joint-stock commercial banks, and then makes theoretical and practical analysis on the supply chain finance of small and medium-sized enterprises. Then it analyzes the current financing situation of SMEs in our country. According to the relevant data and survey results, it analyzes the financing environment of SMEs in our country, including the use of financing, the way of financing, and the price of financing. The paper also analyzes the deep causes of the financing difficulties of SMEs, and analyzes the financing difficulties of SMEs by using relevant cases. Based on the analysis of the origin of supply chain finance of joint-stock commercial banks and the analysis of real cases, the solution to the problem is obtained. Firstly, it analyzes the value of supply chain finance to joint-stock commercial banks; secondly, it analyzes the current situation of supply chain finance development of joint-stock commercial banks, and points out the shortcomings; finally, through the case study of joint-stock commercial banks supply chain finance, Put forward the achievement and find the solution. The development and risk of banks is a double-edged sword. How to improve the efficiency of large scale at the same time scientifically and reasonably control the bottom line of risk is also the focus of this paper. This paper analyzes the strategies, countermeasures and risk control of the development of supply chain finance. Combined with the above research on the supply chain financing of small and medium-sized enterprises and joint-stock banks, the paper puts forward the development countermeasures and solutions of the supply chain finance of joint-stock commercial banks. Including the basic framework and scheme of supply chain finance, and the control of financial risk, this paper empirically analyzes the establishment process of risk assessment model for small and medium-sized enterprises in supply chain finance by using fuzzy comprehensive evaluation method. Finally, the research content of this paper is summarized.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33;F274

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