本文選題：供應(yīng)鏈金融 + 中國(guó)銀行　； 參考：《華東師范大學(xué)》2012年碩士論文

【摘要】：供應(yīng)鏈金融作為當(dāng)前國(guó)內(nèi)外商業(yè)銀行的新興金融服務(wù),成為商業(yè)銀行新的業(yè)務(wù)增長(zhǎng)點(diǎn)。我國(guó)的商業(yè)銀行是近五年左右才開(kāi)始涉足這項(xiàng)業(yè)務(wù)的。在全球化背景下,企業(yè)的競(jìng)爭(zhēng)力逐步轉(zhuǎn)化為供應(yīng)鏈競(jìng)爭(zhēng)力的較量。商業(yè)銀行通過(guò)開(kāi)展供應(yīng)鏈金融,可以協(xié)調(diào)整個(gè)鏈條資金流,降低供應(yīng)鏈整體財(cái)務(wù)成本,提供系統(tǒng)性金融解決方案,它順應(yīng)了我國(guó)企業(yè)乃至供應(yīng)鏈發(fā)展的迫切需要。因此,研究商業(yè)銀行如何開(kāi)展供應(yīng)鏈金融,如何完善其產(chǎn)品和服務(wù),如何為我國(guó)的企業(yè)乃至供應(yīng)鏈提供融資解決方案,促進(jìn)其經(jīng)濟(jì)發(fā)展,顯得十分有意義。 本文選取中國(guó)銀行為例,考察了目前中國(guó)銀行開(kāi)展供應(yīng)鏈金融服務(wù)的各方面狀況,梳理了其存在的問(wèn)題,提出了相應(yīng)的改進(jìn)意見(jiàn),進(jìn)而,為我國(guó)其他商業(yè)銀行發(fā)展供應(yīng)鏈金融提供了借鑒。中國(guó)銀行是我國(guó)大型國(guó)有控股商業(yè)銀行之一,按核心資本計(jì)算,2011年中國(guó)銀行在世界1000家大銀行排名中列第9位,在我國(guó)的商業(yè)銀行中,擁有最多的海外分支機(jī)構(gòu),它在我國(guó)商業(yè)銀行占用舉足輕重的地位。選取中國(guó)銀行作為研究對(duì)象,有助于比較全面的研究我國(guó)商業(yè)銀行開(kāi)展供應(yīng)鏈金融。經(jīng)過(guò)理論研究、材料搜集、專業(yè)人士訪談和國(guó)內(nèi)各家商業(yè)銀行開(kāi)展供應(yīng)鏈金融情況調(diào)查,本研究對(duì)比中國(guó)銀行該項(xiàng)業(yè)務(wù)的發(fā)展?fàn)顩r,從以下三個(gè)方面描述了中國(guó)銀行供應(yīng)鏈金融開(kāi)展現(xiàn)狀,歸納出其存在的不足,并提出針對(duì)性的建議：從供應(yīng)鏈金融產(chǎn)品方案角度,梳理了中國(guó)銀行現(xiàn)有的主要產(chǎn)品,歸納出其主要三方面不足：缺少預(yù)付款類產(chǎn)品、面臨產(chǎn)品創(chuàng)新挑戰(zhàn)、還未與第三方機(jī)構(gòu)建立戰(zhàn)略合作伙伴關(guān)系。針對(duì)這些不足,建議中國(guó)銀行在已有的訂單融資產(chǎn)品基礎(chǔ)上,借鑒同業(yè)預(yù)付款類業(yè)務(wù)的實(shí)踐經(jīng)驗(yàn),開(kāi)發(fā)中國(guó)銀行預(yù)付款類產(chǎn)品；面臨產(chǎn)品創(chuàng)新的挑戰(zhàn),中國(guó)銀行需要建立全新的產(chǎn)品創(chuàng)新體系、流程和理念,只有反應(yīng)迅速、不斷創(chuàng)新的內(nèi)部機(jī)制,才能時(shí)刻適應(yīng)市場(chǎng),不斷創(chuàng)新；對(duì)于尋找適當(dāng)?shù)牡谌綑C(jī)構(gòu)作為戰(zhàn)略合作伙伴關(guān)系,提出中國(guó)銀行采納金融與物流的再結(jié)合方案,借鑒國(guó)內(nèi)外經(jīng)驗(yàn),有層次分步驟的與物流企業(yè)深入合作。 通過(guò)以上三個(gè)方面的描述、分析和建議,針對(duì)中國(guó)銀行改進(jìn)供應(yīng)鏈金融服務(wù)提供了借鑒。從宏觀層面上,同樣關(guān)注到,我國(guó)商業(yè)銀行發(fā)展供應(yīng)鏈金融需要關(guān)注整個(gè)“供應(yīng)鏈金融生態(tài)環(huán)境”,其中最主要包括法律環(huán)境、社會(huì)信用體系和技術(shù)發(fā)展環(huán)境。因此,我國(guó)商業(yè)銀行不僅要不斷完善自身的產(chǎn)品服務(wù)和內(nèi)部管理,也要適應(yīng)我國(guó)供應(yīng)鏈金融生態(tài)環(huán)境,逐步發(fā)展,只有這樣,供應(yīng)鏈金融服務(wù)這項(xiàng)新興的金融服務(wù),才能在中國(guó)銀行,乃至我國(guó)所有的商業(yè)銀行蓬勃發(fā)展,才能為中國(guó)的企業(yè)及其供應(yīng)鏈帶來(lái)更優(yōu)質(zhì)的金融服務(wù)。
[Abstract]:Supply chain finance, as a new financial service of commercial banks at home and abroad, has become a new business growth point of commercial banks. The commercial banks of our country only began to set foot in this business about five years ago. In the context of globalization, the competitiveness of enterprises is gradually transformed into the competition of supply chain competitiveness. Through the development of supply chain finance, commercial banks can coordinate the whole chain capital flow, reduce the overall financial cost of the supply chain, and provide systematic financial solutions. It conforms to the urgent needs of the development of Chinese enterprises and supply chain. Therefore, it is of great significance to study how commercial banks develop supply chain finance, how to perfect their products and services, how to provide financing solutions for Chinese enterprises and even supply chain, and how to promote their economic development. Taking Bank of China as an example, this paper reviews the current situation of Bank of China in carrying out supply chain financial services, combs its existing problems, and puts forward corresponding suggestions for improvement. It provides reference for other commercial banks to develop supply chain finance. The Bank of China is one of the largest state-owned holding commercial banks in China. In terms of its core capital, Bank of China ranked ninth among the world's 1000 largest banks in 2011, and it has the largest number of overseas branches among commercial banks in China. It occupies a pivotal position in China's commercial banks. Selecting Bank of China as the research object is helpful to the comprehensive study of the supply chain finance of Chinese commercial banks. Through theoretical research, material collection, professional interviews and domestic commercial banks conducting supply chain finance surveys, this study compares the development of this business in Bank of China. This paper describes the current situation of Bank of China supply chain finance from the following three aspects, sums up its shortcomings, and puts forward some suggestions: from the point of view of the supply chain financial product plan, this paper combs the main products of Bank of China. Three main shortcomings are summarized: the lack of advance payment products, the challenge of product innovation, and the lack of strategic partnership with third parties. In view of these shortcomings, it is suggested that the Bank of China should, on the basis of the existing order financing products, draw lessons from the practical experience of the industry's pre-payment business to develop the pre-payment products of the Bank of China, and face the challenge of product innovation. Bank of China needs to establish a new product innovation system, process and concept, only the rapid response, continuous innovation of the internal mechanism, can always adapt to the market, constantly innovative; In order to find appropriate third party organizations as strategic partnership, the bank of China adopts the plan of recombination of finance and logistics, draws lessons from domestic and foreign experience, and cooperates with logistics enterprises step by step. Through the above three aspects of the description, analysis and recommendations for the Bank of China to improve the supply chain financial services to provide reference. From the macro level, we also pay attention to the whole "supply chain financial ecological environment", including the legal environment, the social credit system and the technological development environment. Therefore, China's commercial banks should not only continuously improve their own products, services and internal management, but also adapt to the ecological environment of supply chain finance and gradually develop. Only in this way, supply chain financial services, as a new financial service, Only in the Bank of China, and even all commercial banks in China, can we bring higher quality financial services to Chinese enterprises and their supply chains.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.3

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