本文選題：供應(yīng)鏈　切入點：供應(yīng)鏈金融　出處：《南京理工大學(xué)》2014年碩士論文

【摘要】：隨著社會主義市場經(jīng)濟的快速發(fā)展,中小企業(yè)已成為市場經(jīng)濟中重要的經(jīng)濟主體,中小企業(yè)數(shù)量與規(guī)模的擴大也使得其融資需求快速膨脹。傳統(tǒng)銀行授信業(yè)務(wù)僅關(guān)注融資主體及財務(wù)數(shù)據(jù),但中小企業(yè)信息透明度較低、資信不足、社會信用體系不健全造成融資困難,同時,市場經(jīng)濟的快速發(fā)展也使得銀行等金融機構(gòu)面臨的競爭壓力日趨激烈,利潤空間的不斷萎縮促使它們必須尋找新的客戶以及業(yè)務(wù)增長點。因此,發(fā)展供應(yīng)鏈金融業(yè)務(wù),以供應(yīng)鏈的整體優(yōu)勢深入挖掘中小企業(yè)客戶,成為當(dāng)前商業(yè)銀行迅速取得授信業(yè)務(wù)進一步發(fā)展的突破口。但是,目前供應(yīng)鏈金融業(yè)務(wù)在我國商業(yè)銀行的發(fā)展尚處于初期階段,各項配套設(shè)施還不健全,仍然存在很多缺陷與不足。因此,本研究以M銀行“1+N”供應(yīng)鏈金融業(yè)務(wù)模式為研究對象,通過對比分析得出供應(yīng)鏈金融業(yè)務(wù)模式的優(yōu)勢與劣勢,主要表現(xiàn)在：增強中小企業(yè)授信成功率、提高授信審批效率,降低銀行信用風(fēng)險等方面的優(yōu)勢；現(xiàn)存的“1+N”供應(yīng)鏈金融業(yè)務(wù)模式存在授信審批內(nèi)容不完善、授信審批流程過于繁瑣、業(yè)務(wù)辦理流程權(quán)責(zé)分工不明確等問題。在現(xiàn)存業(yè)務(wù)模式的基礎(chǔ)上,從審批內(nèi)容、審批流程、業(yè)務(wù)辦理等方面為M銀行“1+N”供應(yīng)鏈金融業(yè)務(wù)優(yōu)化設(shè)計提供新的思路。
[Abstract]:With the rapid development of the socialist market economy, small and medium-sized enterprises have become an important economic subject in the market economy. The expansion of the number and scale of small and medium-sized enterprises also makes their financing demand expand rapidly. Traditional bank credit business only pays attention to financing main body and financial data, but the information transparency of small and medium-sized enterprises is low and the credit is insufficient. The lack of a sound social credit system makes financing difficult. At the same time, the rapid development of the market economy also makes banks and other financial institutions face increasingly fierce competition pressure. The shrinking profit space urges them to find new customers and business growth points. Therefore, the development of supply chain financial business, the overall advantage of the supply chain to dig deep into the customers of small and medium-sized enterprises, It has become a breakthrough point for commercial banks to develop credit business rapidly. However, at present, the development of supply chain financial services in commercial banks in China is still in the initial stage, and the supporting facilities are not perfect. There are still many defects and shortcomings. Therefore, this study takes M Bank "1N" supply chain financial business model as the research object, and obtains the advantages and disadvantages of the supply chain financial business model through comparative analysis. The main results are as follows: enhancing the credit success rate of small and medium-sized enterprises, improving the efficiency of credit approval, reducing the credit risk of banks, and so on, the existing "1N" supply chain financial business model is not perfect in the content of credit approval, The credit approval process is too cumbersome, and the division of powers and responsibilities in the business process is not clear. On the basis of the existing business model, the examination and approval process is based on the contents of the examination and approval. The business management provides a new idea for M Bank's "1 N" supply chain financial business optimization design.
【學(xué)位授予單位】：南京理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2
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本文編號：1669769