本文選題：商業(yè)銀行 + 電子供應(yīng)鏈金融服務(wù)�。� 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：在經(jīng)濟(jì)全球化進(jìn)程不斷推進(jìn)的過程中,國際間的金融業(yè)務(wù)往來不斷增加,生產(chǎn)分工的模式正在發(fā)生轉(zhuǎn)變。曾經(jīng)的單一企業(yè)從事生產(chǎn)、銷售的簡(jiǎn)單模式已經(jīng)轉(zhuǎn)變?yōu)槎鄠�(gè)企業(yè)之間的專業(yè)分工,形成了一條清晰的產(chǎn)業(yè)供應(yīng)鏈；與此同時(shí)電子商務(wù)技術(shù)的不斷發(fā)展,也為銀行發(fā)展提供創(chuàng)新型金融服務(wù)提供了技術(shù)條件。市場(chǎng)的這些轉(zhuǎn)變迫切需要商業(yè)銀行對(duì)此進(jìn)行資深調(diào)整,發(fā)展適應(yīng)供應(yīng)鏈的新型金融產(chǎn)品、進(jìn)一步深化和創(chuàng)新業(yè)務(wù)模式。 本文所提到的“供應(yīng)鏈金融”是指商業(yè)銀行所提供的供應(yīng)鏈金融業(yè)務(wù),這項(xiàng)業(yè)務(wù)所針對(duì)的受眾群體是生產(chǎn)經(jīng)營鏈條上與核心企業(yè)相關(guān)的企業(yè)同其之間所發(fā)生的“流”的活動(dòng),包括物流、信息流和資金流等。這項(xiàng)服務(wù)主要是為了滿足兩個(gè)方面的需求,首先是同核心企業(yè)進(jìn)行交易的其他企業(yè)的資金需求,其次是核心企業(yè)自身的業(yè)務(wù)需求。而本文要研究的“電子供應(yīng)鏈金融”業(yè)務(wù)相比較前面提到的“供應(yīng)鏈金融”,在很多方面具有不可替代的優(yōu)勢(shì),比如技術(shù)技巧更高、業(yè)務(wù)過程更簡(jiǎn)單、服務(wù)速度更快、效率更高、風(fēng)險(xiǎn)控制更完善等。“電子供應(yīng)鏈金融”服務(wù),是由商業(yè)銀行提供的,借助于其自己開發(fā)的特有電子商務(wù)服務(wù)平臺(tái),同時(shí)自主研發(fā)一些各有特色的,針對(duì)供應(yīng)鏈上面臨現(xiàn)金流缺口企業(yè)的融資產(chǎn)品、以及面臨結(jié)算困難的結(jié)算產(chǎn)品,更緊密地將核心企業(yè)同供應(yīng)鏈上的其他企業(yè)聯(lián)系在一起,的一種創(chuàng)新型、優(yōu)秀的供應(yīng)鏈金融服務(wù)業(yè)務(wù)。 在經(jīng)濟(jì)形勢(shì)發(fā)展如此迅猛的情勢(shì)下,商業(yè)銀行開展“供應(yīng)鏈金融”業(yè)務(wù)有廣闊的前景。企業(yè)的經(jīng)營規(guī)模在不斷地?cái)U(kuò)大和成熟,在這個(gè)過程中,它們對(duì)商業(yè)銀行所能夠提供的金融服務(wù)提出了更高的要求,不再是簡(jiǎn)單的融資、結(jié)算,而是上升到財(cái)務(wù)管理、測(cè)算資金利用率等專業(yè)的需求,并且更加關(guān)心商業(yè)銀行能否幫助提供擴(kuò)大企業(yè)規(guī)模的信息,降低企業(yè)生產(chǎn)、運(yùn)營成本等。電子供應(yīng)鏈金融服務(wù)能在原有供應(yīng)鏈金融服務(wù)的基礎(chǔ)上更加快捷地滿足企業(yè)客戶的需求。 近幾年,我國有諸多商業(yè)銀行紛紛開始提供“供應(yīng)鏈金融服務(wù)”,例如中信銀行、平安銀行(原深圳發(fā)展銀行)、招商銀行等。在此之中,招商銀行所開展的“電子供應(yīng)鏈金融”服務(wù)已發(fā)展地較為成熟,它依托電子商務(wù)平臺(tái),解決了供應(yīng)鏈企業(yè)協(xié)同發(fā)展的問題,尤其是針對(duì)中、小企業(yè),充分滿足其融資需求。 本文在全面研究我國幾家重點(diǎn)開展電子供應(yīng)鏈金融業(yè)務(wù)的商業(yè)銀行其發(fā)展?fàn)顩r及商業(yè)模式的基礎(chǔ)上,依據(jù)其業(yè)務(wù)現(xiàn)狀進(jìn)行深入分析,對(duì)我國商業(yè)銀行所開展的電子供應(yīng)鏈金融服務(wù)現(xiàn)狀進(jìn)行分析,找出其面臨的問題與運(yùn)作中的不足,并給出相應(yīng)的政策建議。電子供應(yīng)鏈金融在我國乃至國際間商業(yè)銀行業(yè)務(wù)發(fā)展進(jìn)程中具有廣闊的前景,本文為我國商業(yè)銀行電子供應(yīng)鏈金融服務(wù)的發(fā)展提供了政策建議,希望能夠幫助國內(nèi)商業(yè)銀行業(yè)務(wù)規(guī)模,更好地謀求自身發(fā)展,在當(dāng)前的經(jīng)濟(jì)環(huán)境中立足。 本文基于對(duì)于我國商業(yè)銀行電子供應(yīng)鏈金融服務(wù)業(yè)務(wù)的發(fā)展?fàn)顩r及模式研究,對(duì)其業(yè)務(wù)的所面臨的問題與不足進(jìn)行了深入探究,并給出相應(yīng)的政策建議。全文一共有六章：第一章是緒論部分,闡述了本文所研究課的背景意義、研究方法與研究?jī)?nèi)容,以及本文的創(chuàng)新與不足,并簡(jiǎn)要解釋相關(guān)的基本概念,如,金融服務(wù)、供應(yīng)鏈、電子供應(yīng)鏈、電子供應(yīng)鏈金融等；第二章闡述電子供應(yīng)鏈金融的理論基礎(chǔ)及國內(nèi)外研究學(xué)者在該領(lǐng)域的研究文獻(xiàn)綜述；第三章從主體結(jié)構(gòu)、客體結(jié)構(gòu)、業(yè)務(wù)規(guī)模和經(jīng)濟(jì)效應(yīng)角度研究電子供應(yīng)鏈金融業(yè)務(wù)在我國的發(fā)展?fàn)顩r。業(yè)務(wù)的主體,即商業(yè)銀行,客體,即業(yè)務(wù)受眾方的結(jié)構(gòu)、業(yè)務(wù)內(nèi)容、產(chǎn)生的經(jīng)濟(jì)效應(yīng)等方面,將我國商業(yè)銀行的電子供應(yīng)鏈金融業(yè)務(wù)發(fā)展水平進(jìn)行了概述；第四章在闡述我國電子供應(yīng)鏈金融服務(wù)的基本模式的基礎(chǔ)上又以招商銀行作為案例研究對(duì)象,重點(diǎn)分析其電子供應(yīng)鏈金融服務(wù)的模式及發(fā)展?fàn)顩r；第五章指出我國商業(yè)銀行電子供應(yīng)鏈金融服務(wù)所面臨的問題與不足；第六章是文章的結(jié)論部分,在指出我國商業(yè)銀行電子供應(yīng)鏈金融服務(wù)所面臨的問題和不足后,給出相應(yīng)的政策建議。 在當(dāng)前的經(jīng)濟(jì)發(fā)展形勢(shì)與需求下,開展“供應(yīng)鏈金融”服務(wù)已成為各商業(yè)銀行的不二選擇。與此同時(shí),電子商務(wù)平臺(tái)的快速發(fā)展促使“電子供應(yīng)鏈金融"更具有獨(dú)特的優(yōu)勢(shì)。目前國內(nèi)對(duì)“供應(yīng)鏈金融”的研究較多,但對(duì)于“電子供應(yīng)鏈金融”領(lǐng)域的研究還不完善,尤其是在“電子供應(yīng)鏈金融”服務(wù)的模式探究的研究更是少之又少。本文從銀行所主導(dǎo)的電子供應(yīng)鏈金融業(yè)務(wù)的視角研究其中、小企業(yè)融資問題的解決效應(yīng),這一方法改變傳統(tǒng)融資模式下由于信息不對(duì)稱所帶來的道德風(fēng)險(xiǎn)和逆向選擇問題,這為我國商業(yè)銀行進(jìn)行業(yè)務(wù)創(chuàng)新并且?guī)椭行∑髽I(yè)快速解決融資難問題提供新思路。因此本文的創(chuàng)新點(diǎn)之一就是對(duì)于我國商業(yè)銀行電子供應(yīng)鏈金融服務(wù)業(yè)務(wù)模式發(fā)展中問題的探究。 除此之外,本文采用多種研究方法,如文獻(xiàn)研究法、案例研究法和比較研究法,全面研讀國內(nèi)外與電子供應(yīng)鏈金融相關(guān)的調(diào)查文獻(xiàn),查閱與本課題有關(guān)的相應(yīng)理論、數(shù)據(jù)等,從而全面地、正確地了解掌握所要研究的問題。而后又選取我國主要商業(yè)銀行的“供應(yīng)鏈金融服務(wù)”、“電子供應(yīng)鏈金融服務(wù)業(yè)務(wù)”的開展?fàn)顩r作為對(duì)象,對(duì)國內(nèi)重點(diǎn)開展電子供應(yīng)鏈金融服務(wù)的商業(yè)銀行業(yè)務(wù)進(jìn)行比較研究,用以分析我國當(dāng)前電子供應(yīng)鏈金融服務(wù)發(fā)展現(xiàn)狀；并以招商銀行的電子供應(yīng)鏈金融業(yè)務(wù)作為案例,詳細(xì)分析其業(yè)務(wù)模式、經(jīng)濟(jì)效應(yīng)等幫助論題得出結(jié)論。 但本文的研究不可避免的存在一定的局限性,同時(shí)研究還未達(dá)到一定的深度。造成這些問題的原因主要是平時(shí)知識(shí)積累不夠、研究水平尚未達(dá)到較高標(biāo)準(zhǔn),以致于分析問題未考慮周全。例如關(guān)于供應(yīng)鏈金融方面的專業(yè)知識(shí)欠缺,在研究我國商業(yè)銀行目前電子供應(yīng)鏈金融典型業(yè)務(wù)模式時(shí)就不能夠透徹分析問題關(guān)鍵。除此之外,在進(jìn)行國內(nèi)商業(yè)銀行業(yè)務(wù)比較時(shí)沒有相關(guān)的數(shù)據(jù)分析佐證,這也是本文的一大不足點(diǎn)。未來會(huì)在不斷的學(xué)習(xí)過程中找到更加充實(shí)的理論知識(shí)與事實(shí)論據(jù)來解釋該研究課題。
[Abstract]:In the process of the process of economic globalization, the international financial business exchanges are increasing, the mode of production division of labor is changing. The simple mode of single enterprise engaged in production has changed into a professional division of division of labor between many enterprises, and a clear industrial supply chain has been formed; at the same time, the electronic business enterprise is formed. The continuous development of business technology also provides technical conditions for the development of innovative financial services for the development of banks. These changes in the market urgently need commercial banks to carry out a senior adjustment, develop new financial products to adapt to the supply chain, and further deepen and innovate business models.
The "supply chain finance" mentioned in this article refers to the supply chain financial business provided by commercial banks. The target audience is the "flow" activity between enterprises related to the core enterprise in the chain of production and management, including logistics, information flow and capital flow. This service is mainly to meet two. The needs of other enterprises, first of all, are the capital needs of other enterprises dealing with the core enterprises, and the second is the business needs of the core enterprises. The "supply chain finance", as mentioned in the paper, has the irreplaceable advantages of many mask, such as higher technical skills, The business process is simpler, the service speed is faster, the efficiency is higher, the risk control is more perfect. The "electronic supply chain finance" service is provided by the commercial bank, with its own special e-commerce service platform developed by its own. At the same time, it independently develops some special features for the financing products of the cash flow gap in the supply chain. As well as the settlement products facing the settlement difficulties, the core enterprises are more closely linked with the other enterprises in the supply chain, an innovative, excellent supply chain financial service business.
With the rapid development of the economic situation, the commercial banks have a broad prospect to carry out the "supply chain finance" business. The business scale is constantly expanding and maturing. In this process, they have raised higher requirements for the financial services that the commercial banks can provide, no longer a simple financing, settlement, and rise. To the financial management, to calculate the demand for the utilization of funds and other professional needs, and more concerned about whether commercial banks can help to provide information to expand the scale of the enterprise, reduce the production and operating costs of enterprises. The electronic supply chain financial services can meet the needs of the customers more quickly on the basis of the original supply chain financial services.
In recent years, many commercial banks in our country have begun to provide "supply chain financial services", such as CITIC Bank, Ping An Bank (former Shenzhen Development Bank), China Merchants Bank and so on. In this, the "electronic supply chain finance" service developed by China Merchants Bank has developed more mature. It has solved the supply chain enterprise relying on the e-commerce platform. The problem of collaborative development, especially for small and medium-sized enterprises, fully meets their financing needs.
On the basis of a comprehensive study of the development and business model of several commercial banks in our country, based on the current situation of their business, this paper analyzes the current situation of the electronic supply chain financial services carried out by commercial banks in China, and finds out the problems and shortcomings in the operation. The electronic supply chain finance has a broad prospect in the process of business development in China and even international commercial banks. This article provides policy suggestions for the development of the electronic supply chain financial services in China's commercial banks, hoping to help the domestic commercial banks' business scale and better seek their own development. A foothold in the economic environment.
Based on the research on the development and model of the financial service business of the electronic supply chain in China's commercial banks, this paper makes a thorough inquiry into the problems and shortcomings of its business and gives the corresponding policy suggestions. The full text has six chapters: the first chapter is the introduction part, explaining the background significance of the study and the research methods. And the research content, and the innovation and deficiency of this article, and briefly explain the basic concepts, such as financial services, supply chain, electronic supply chain, electronic supply chain finance, etc. the second chapter expounds the theoretical basis of the e-supply chain finance and the literature review of the research scholars at home and abroad in this field; the third chapter from the main structure, the object knot. The development status of electronic supply chain financial business in China is studied in terms of structure, business scale and economic effect. The main body of the business, the commercial bank, the object, the structure of the business audience, the business content, the economic effect and so on, summarizes the development level of the electronic supply chain financial business of the commercial banks of our country; the fourth chapter is on the development level of the electronic supply chain financial business in China. On the basis of the basic model of China's electronic supply chain financial services, China Merchants Bank is taken as the case study, and the mode and development status of the electronic supply chain financial services are emphatically analyzed. The fifth chapter points out the problems and deficiencies faced by the electronic supply chain financial services in China's commercial banks; the sixth chapter is the conclusion of the article. After pointing out the problems and shortcomings of China's commercial banks' e-supply chain financial services, the corresponding policy recommendations are given.
Under the current economic development situation and demand, the development of "supply chain finance" service has become a choice for all commercial banks. At the same time, the rapid development of the e-commerce platform has prompted the "electronic supply chain finance" to have more unique advantages. At present, there are many studies on "supply chain gold" in China, but for "electronic supply chain" The research on the field of finance is not perfect, especially in the research on the mode of "electronic supply chain finance". This paper studies the solution effect of the financing problem of small enterprises from the perspective of the electronic supply chain financial business led by the bank. This method changes the information asymmetry under the traditional financing mode. The problem of moral hazard and adverse selection brings new ideas for commercial banks in our country to carry out business innovation and help SMEs to solve the problem of financing quickly. Therefore, one of the innovation points of this paper is to explore the development of the financial service business in the electronic supply chain of commercial banks in China.
In addition, this paper uses a variety of research methods, such as literature research, case study and comparative study, to comprehensively study the domestic and international investigation documents related to the electronic supply chain finance, and to consult the relevant theories and data related to the subject, so as to fully and correctly understand the problems to be studied and then select our country owners. The development status of "supply chain financial service" and "electronic supply chain financial service business" is taken as the object, and the domestic commercial bank business which focuses on the development of electronic supply chain financial services is comparatively studied in order to analyze the current situation of the development of our current electronic supply chain financial services; and the electronic supply of China Merchants Bank. In the case of chain finance business, a case study is made to analyze its business mode and economic effect in detail.
However, there are some limitations in this study, and the research has not yet reached a certain depth. The main reason for these problems is that the accumulation of knowledge is not enough, the level of research has not reached a high standard, so that the analysis problem is not considerate. For example, the lack of professional knowledge on the supply chain finance is in the study. In addition, there is no evidence of data analysis in the comparison of domestic commercial banks' business comparison, which is also a major deficiency in this paper. In the future, we will find more substantial theoretical knowledge in the process of continuous learning. The fact argument explains the subject.

【學(xué)位授予單位】：西南財(cái)經(jīng)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

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