本文選題：華夏銀行　切入點：供應鏈金融　出處：《吉林大學》2014年碩士論文

【摘要】：近年來，隨著科技分工的細化，中國的經(jīng)濟形勢發(fā)生了巨大的變化，體現(xiàn)的主要形式為經(jīng)濟一體化、產(chǎn)業(yè)縱向化，處于此階段的商業(yè)銀行面對激烈的同業(yè)競爭，需要新的核心業(yè)務帶動增長，開拓新的業(yè)務領(lǐng)域才能保持可持續(xù)發(fā)展。 華夏銀行長春分行的供應鏈金融業(yè)務處于起步階段，一方面客戶需求增長快速，發(fā)展?jié)摿薮�，一方面產(chǎn)品運用較為有限，內(nèi)部控制及風險防控還有待提高。分行供應鏈金融業(yè)務的發(fā)展受到了較大的制約，為了更好的釋放生產(chǎn)力，加強對客戶的服務，切實有效的防范風險，現(xiàn)對分行的供應鏈金融業(yè)務發(fā)展策略進行研究與探討。 一般來說，供應鏈金融有三層含義，一是從銀行業(yè)務來講這是一個專業(yè)的領(lǐng)域，是指商業(yè)銀行的一種授信形式；二是基于供應鏈模式購銷雙方管理需求，商業(yè)銀行業(yè)務創(chuàng)新而發(fā)展起來的一種金融產(chǎn)品。是以供應鏈中核心企業(yè)為依托，對其上下游中小企業(yè)提供賬款管理、信用增級、擔保、融資、結(jié)算風險參與、及風險回避等組合金融服務產(chǎn)品；三是從業(yè)務角度上說，分行的供應鏈金融業(yè)務主要包括預付類、應收類、存貨類三大產(chǎn)品體系，主要運用的產(chǎn)品有保兌倉、應收賬款質(zhì)押、保理、汽車全鏈通業(yè)務等。 本文試圖從理論方面對分行的供應鏈金融業(yè)務發(fā)展進行研究，研究的著重點是針對這一新型業(yè)務在推廣過程中遇到的問題與困難，盡量找尋供應鏈金融業(yè)務發(fā)展中的普遍規(guī)律及有效做法，為分行供應鏈金融業(yè)務發(fā)展提供指導意見。同時，，本文在論證與分析分行供應鏈金融業(yè)務理論、業(yè)務流程的基礎(chǔ)上，結(jié)合目前分行開展供應鏈金融的客觀情況，對其產(chǎn)品風險防控及運作模式進行深入分析，在此基礎(chǔ)上發(fā)現(xiàn)其存在的問題，進而有針對性提出市場定位策略及發(fā)展模式。本文的具體研究框架如下： 本文首先從理論高度入手，詳細對供應鏈金融業(yè)務的概念進行界定，論述了分行供應鏈金融業(yè)務發(fā)展的宏觀、微觀環(huán)境，其次并假以特定同業(yè)對象為例詳盡分析其業(yè)務特點，假以特定的幾款供應鏈金融業(yè)務產(chǎn)品或金融服務方式介紹。第三通過分行自身的問題發(fā)現(xiàn)及原因分析，進而從業(yè)務選擇、行業(yè)信息、市場潛力、技術(shù)支撐、風險控制以及后臺協(xié)助等方面進行深入而全面的論述，總結(jié)出分行的實際情況及和發(fā)展規(guī)劃，有針對性的提出發(fā)展策略，以期分行在同業(yè)機構(gòu)的競爭中能夠脫穎而出。
[Abstract]:In recent years, with the development of science and technology division, has undergone tremendous changes Chinese economic situation, the main form of economic integration, industry vertical, in which the commercial banks face fierce competition, need new core business growth, develop new business areas in order to maintain the sustainable development.
Supply chain finance business Changchun Huaxia Bank branch in the initial stage, a rapid growth in customer demand, a huge potential for development, on the one hand the use of products is limited, internal control and risk prevention and control need to be improved. The development of supply chain finance business is restricted by the relatively large, in order to release productivity better, strengthen customer service, effective risk prevention, research and discussion of the branch of the supply chain finance business development strategy.
In general, supply chain finance has three meanings, one is from the banking business is this is a specialized field, refers to a form of credit of commercial banks; the two is the purchase and sale of supply chain management based on the needs of both sides, a financial product innovation in commercial banking business development. As the core enterprise supply in the chain as the basis, to provide account management on the upstream and downstream of small and medium sized enterprises, credit enhancement, guarantee, financing, settlement risk and risk avoidance in a combination of financial services products; three is from the business perspective, industry supply chain finance branch service mainly includes prepaid, accounts receivable, inventory three the product system, the main use of the product warehouse, accounts receivable pledge, factoring, automobile chain through business.
This paper tries to study the branch of the supply chain finance business development, the research focus is aiming at the problems and difficulties encountered in the promotion of this new business process, try to find the universal law of supply chain finance business development and effective practices, provide guidance for the branch of supply chain finance business development. At the same time. Based on the demonstration and Analysis Branch of supply chain finance theory, based on business process, combined with the current situation of supply chain finance branch to carry out the objective, the product risk control and operation mode of in-depth analysis, the problems found on the basis of this, and then puts forward the market positioning strategy and development mode are as follows. The specific research framework of this article:
This paper starts with the definition of the height, the supply chain finance business concept, discusses the branch of supply chain finance business development in the macro, micro environment, and secondly in specific industry object as an example a detailed analysis of the business characteristics, in particular several supply chain finance business product or financial service. Through the analysis of Third branches of its own problems and reasons, and then from the selection of business, industry information, market potential, technology support, risk control and assist the background and other aspects of in-depth and comprehensive analysis, summed up the actual situation of the branch and development plan, put forward the development strategy, in order to branch in talent shows itself counterparts in the competition.

【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

【參考文獻】

相關(guān)期刊論文 前1條

1 陳李宏;;民營企業(yè)融資的自身障礙及解決途徑[J];湖北社會科學;2007年01期

本文編號：1689698