本文關(guān)鍵詞：CS銀行供應(yīng)鏈金融業(yè)務(wù)發(fā)展問題研究　出處：《廣西大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：經(jīng)濟(jì)全球化、市場競爭激烈化、顧客需求個性化、企業(yè)流程復(fù)雜化是當(dāng)今金融市場競爭的基本特征。企業(yè)之間的競爭不僅是市場份額、客戶維護(hù)、企業(yè)內(nèi)部管理之間的競爭,更多的轉(zhuǎn)化為供應(yīng)鏈之間的競爭。供應(yīng)鏈金融作為國內(nèi)外商業(yè)銀行的新興金融業(yè)務(wù),將物流與金融、商業(yè)資本與金融資本有機(jī)聯(lián)系起來,提高了金融資本的使用效率,并為中小企業(yè)融資難問題的解決提供了思路,從而積極地促進(jìn)了國民經(jīng)濟(jì)發(fā)展。如何構(gòu)建有序的供應(yīng)鏈金融體系,協(xié)調(diào)供應(yīng)鏈成員之間的關(guān)系,使供應(yīng)鏈企業(yè)通力合作,降低供應(yīng)鏈運(yùn)作成本,提高資金使用效率是我國商業(yè)銀行面臨的一大難題。因此,研究商業(yè)銀行供應(yīng)鏈金融業(yè)務(wù)的發(fā)展現(xiàn)狀,發(fā)現(xiàn)其開展供應(yīng)鏈金融業(yè)務(wù)中出現(xiàn)的問題,并提出解決方案具有重要意義。本文首先從概念、優(yōu)勢與構(gòu)成、主要模式和理論依據(jù)等四個角度對供應(yīng)鏈金融的基本理論進(jìn)行了介紹。供應(yīng)鏈金融的優(yōu)勢主要包括有效提升銀行金融服務(wù)水平、加強(qiáng)銀企雙贏,實(shí)現(xiàn)互利共贏和有助于解決中小企業(yè)融資難的問題。供應(yīng)鏈金融的主要模式包括應(yīng)收賬款融資、庫存融資和預(yù)付款融資三種。供應(yīng)鏈金融的理論依據(jù)包括信息不對稱理論、自償性貿(mào)易融資理論和委托代理理論三方面。進(jìn)一步,本文以CS銀行為案例,介紹了商業(yè)銀行開展供應(yīng)鏈金融業(yè)務(wù)的動因,以及從發(fā)展概況、業(yè)務(wù)種類、客戶特點(diǎn)和風(fēng)險管理四個維度闡述了 CS銀行供應(yīng)鏈金融業(yè)務(wù)的發(fā)展現(xiàn)狀。在此基礎(chǔ)上,總結(jié)了 CS銀行在供應(yīng)鏈金融業(yè)務(wù)發(fā)展過程中存在的問題。本文認(rèn)為,在運(yùn)營管理方面,CS銀行存在缺乏完善的授信評估體系、貸款審批環(huán)節(jié)過長等問題;在信息管理方面,CS銀行存在信息化程度較低的問題;在風(fēng)險管理方面,CS銀行存在風(fēng)控措施手段單一、風(fēng)控體系不夠健全等問題;在融資產(chǎn)品設(shè)計方面,CS銀行存在產(chǎn)品缺乏靈活性、市場響應(yīng)速度慢和品種單一等問題;在市場影響方面,存在大客戶關(guān)系維護(hù)困難、中小企業(yè)客戶有待開發(fā)和“全球化”業(yè)務(wù)有待加強(qiáng)等問題。最后,本文就如何解決這些問題,提供了對策建議。我國其他商業(yè)銀行可借鑒這些建議,為其開展供應(yīng)鏈金融業(yè)務(wù)提供理論支持和實(shí)踐指導(dǎo)。最后,對研究存在的不足進(jìn)行總結(jié),以此為今后其他學(xué)者的研究奠定基礎(chǔ),不斷豐富商業(yè)銀行供應(yīng)鏈金融方面的研究成果。
[Abstract]:Economic globalization, fierce market competition, individualized customer demand and complicated business process are the basic characteristics of financial market competition. The competition among enterprises is not only market share, but also customer maintenance. Competition between internal management of enterprises, more into the competition between the supply chain. Supply chain finance as a new financial business of domestic and foreign commercial banks, logistics and finance. The combination of commercial capital and financial capital improves the efficiency of the use of financial capital, and provides a way to solve the problem of financing for small and medium-sized enterprises. Thus actively promote the development of the national economy. How to build an orderly supply chain financial system, coordinate the relationship between the members of the supply chain, so that supply chain enterprises cooperate to reduce the cost of supply chain operation. To improve the efficiency of the use of funds is a big problem faced by commercial banks in China. Therefore, this paper studies the current situation of the development of the supply chain financial business of commercial banks and finds out the problems in the development of the supply chain financial business. And put forward the solution is of great significance. First of all, this paper from the concept, advantages and composition. This paper introduces the basic theory of supply chain finance from four aspects: the main mode and the theoretical basis. The advantages of supply chain finance mainly include improving the level of banking financial services effectively and strengthening the win-win situation of banks and enterprises. The main modes of supply chain finance include accounts receivable financing. The theoretical basis of supply chain finance includes information asymmetry theory, self-compensated trade finance theory and principal-agent theory. Further, this paper takes CS Bank as an example. This paper introduces the reasons for commercial banks to carry out the supply chain financial business, as well as the general situation of development, business types. Customer characteristics and risk management of the four dimensions of CS bank supply chain financial business development status. On this basis. This paper summarizes the problems of CS Bank in the development of supply chain financial business. In the aspect of operation and management, there are some problems in CS Bank, such as lack of perfect credit evaluation system, too long loan approval process and so on. In the aspect of information management, CS bank has the problem of low information level; In the aspect of risk management, the risk control measures of CS bank are single and the risk control system is not perfect enough. In the aspect of financing product design, CS Bank has some problems, such as lack of flexibility, slow market response and single variety. In the aspect of market influence, there are some problems such as the difficulty of maintaining large customer relationship, the need to develop small and medium-sized enterprises' customers and the need to strengthen the "globalization" business, etc. Finally, how to solve these problems is discussed in this paper. Other commercial banks in China can use these suggestions for reference to provide theoretical support and practical guidance for the development of supply chain financial services. Finally, the shortcomings of the research are summarized. So as to lay a foundation for the future research of other scholars and enrich the research results of commercial bank supply chain finance.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

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