【摘要】：從2011-2014年,跨境電子商務(wù)出現(xiàn)了每年30%以上的增長,成為未來驅(qū)動外貿(mào)發(fā)展的新動力�？缇畴娮由虅�(wù)是互聯(lián)網(wǎng)時代的新興貿(mào)易方式,不同國別交易雙方借助網(wǎng)絡(luò)通訊技術(shù)達成商貿(mào)交易,甚至可借助大數(shù)據(jù)分析預(yù)測、引導(dǎo)消費,進而促成交易。該貿(mào)易方式的發(fā)展,有效降低了商務(wù)交易的搜索、撮合等成本,大幅擴展了交易的空間和時間。本文通過對文獻研究發(fā)現(xiàn)不乏對跨境電商的模式、安全性防范等方面的研究,但針對跨境電商銀行提供金融服務(wù)的方案設(shè)計的相關(guān)方面的文獻相對較少,因此本文參考供應(yīng)鏈金融的相關(guān)文獻,從跨境電商的供應(yīng)鏈角度,結(jié)合跨境電商的信息流、資金流、物流進行分析,結(jié)合民生銀行自身跨境電商發(fā)展的現(xiàn)狀以及銀行電子商務(wù)服務(wù)的實際情況設(shè)計相配套的跨境電商金融服務(wù)方案,并針對性提出相對應(yīng)的政策建議。根據(jù)當(dāng)前電子商務(wù)的發(fā)展現(xiàn)狀、同行發(fā)展跨境電商金融服務(wù)以及民生銀行發(fā)展跨境電商金融服務(wù)的實際情況,本文發(fā)現(xiàn)當(dāng)前民生銀行采用的是與建行類似的自建電子商務(wù)平臺的發(fā)展模式,由于效果并不明顯,跨境電商金融服務(wù)發(fā)展相對落后。因此結(jié)合跨境電商的供應(yīng)鏈環(huán)節(jié),本文針對綜合服務(wù)平臺批量開發(fā)短險融資、退稅賬戶質(zhì)押融資和國際信用證業(yè)務(wù);依托供應(yīng)鏈公司或民生電商批量開發(fā)存貨及預(yù)付款融資,和對接電子商務(wù)應(yīng)用企業(yè)的ERP系統(tǒng)開發(fā)在線融資進行金融服務(wù)方案優(yōu)化,并對上述方案的風(fēng)險控制關(guān)鍵點和收益進行分析;同時,針對跨境電商中的支付結(jié)算業(yè)務(wù),及為跨境電商中提供融資和支付的全程服務(wù),本文優(yōu)化了在跨境電商中的外幣支付和資金回流方案;最后本文針對各方案以及跨境電商自身特點,提出了民生銀行發(fā)展跨境電商金融服務(wù)的政策建議。雖然在過去的兩年民生銀行的電子商務(wù)的發(fā)展相對于其他銀行相對偏慢,但本文認(rèn)為民生銀行能在跨境電商金融服務(wù)方面迎頭趕上,在跨境電商的藍海中定能找到發(fā)展的新契機。
[Abstract]:From 2011 to 2014, cross-border e-commerce has grown by more than 30% a year, which has become a new driving force driving the development of foreign trade in the future. Cross-border e-commerce is a new way of trade in the Internet era. Different national transactions can be achieved by means of network communication technology, and even can be analyzed and predicted by big data to guide consumption and thus promote transactions. The development of this trade mode effectively reduces the search, matchmaking and other costs of business transactions, and greatly expands the space and time of transactions. Through the literature research, this paper finds that there is no lack of research on the model and security prevention of cross-border e-commerce, but there is relatively little literature on the design of financial services provided by cross-border e-commerce banks. Therefore, this paper refers to the relevant literature of supply chain finance, from the perspective of cross-border e-commerce supply chain, combined with the information flow, capital flow and logistics of cross-border e-commerce. According to the present situation of Minsheng Bank's own cross-border e-commerce development and the actual situation of bank e-commerce service, a matching cross-border e-commerce financial service scheme is designed, and the corresponding policy suggestions are put forward. According to the current situation of e-commerce development, peer development of cross-border e-commerce financial services and Minsheng Bank's development of cross-border e-commerce financial services, this paper finds that Minsheng Bank adopts a development model similar to CCB's self-built e-commerce platform. Because the effect is not obvious, the development of cross-border e-commerce financial services is relatively backward. Therefore, combined with the supply chain link of cross-border ecommerce, this paper aims at the integrated service platform to develop short insurance financing, tax refund account pledge financing and international letter of credit business, rely on supply chain company or Minsheng e-commerce company to develop online financing to optimize the financial service scheme, and analyze the risk control key points and benefits of the above scheme. At the same time, aiming at the payment and settlement business in cross-border e-commerce and the whole service of financing and payment in cross-border e-commerce, this paper optimizes the foreign currency payment and capital return scheme in cross-border e-commerce. Finally, according to each scheme and the characteristics of cross-border e-commerce, this paper puts forward some policy suggestions for Minsheng Bank to develop cross-border e-commerce financial services. Although the development of e-commerce of Minsheng Bank in the past two years is relatively slow compared with other banks, this paper holds that Minsheng Bank can catch up with cross-border e-commerce financial services and find new opportunities for development in the Blue Sea of cross-border e-commerce.
【學(xué)位授予單位】：江西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F724.6;F832.33

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