本文選題：供應(yīng)鏈金融　切入點(diǎn)：江蘇中行　出處：《南京大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：全球經(jīng)濟(jì)一體化背景下,企業(yè)之間的競(jìng)爭(zhēng)逐漸成為整體供應(yīng)鏈各環(huán)節(jié)之間的競(jìng)爭(zhēng),國(guó)內(nèi)各家商業(yè)銀行順應(yīng)企業(yè)全球化發(fā)展趨勢(shì),滿足企業(yè)供應(yīng)鏈整體金融服務(wù)需求,積極開(kāi)展面向供應(yīng)鏈的金融業(yè)務(wù),搶占業(yè)務(wù)發(fā)展新的"制高點(diǎn)",以便加快企業(yè)轉(zhuǎn)型發(fā)展。越來(lái)越多的供應(yīng)鏈運(yùn)作方式取代了原本單一的以不動(dòng)產(chǎn)擔(dān)保為主的貸款方式,能夠解決企業(yè)融資需求的難題。供應(yīng)鏈金融是指銀行通過(guò)整合供應(yīng)鏈財(cái)務(wù)資源,為供應(yīng)鏈上的核心企業(yè)和中小企業(yè)提供的一整套資金解決方案。作為五大國(guó)有商業(yè)銀行之一,中國(guó)銀行江蘇省分行清楚地認(rèn)識(shí)到開(kāi)展供應(yīng)鏈金融業(yè)務(wù)的重要性,并著力于供應(yīng)鏈金融業(yè)務(wù)領(lǐng)域的探索,加大創(chuàng)新力度。所以,對(duì)中國(guó)銀行江蘇省分行供應(yīng)鏈金融業(yè)務(wù)的發(fā)展現(xiàn)狀及存在的不足進(jìn)行分析研究,并提出相關(guān)發(fā)展策略,對(duì)中國(guó)銀行江蘇省分行及國(guó)內(nèi)其他商業(yè)銀行在供應(yīng)鏈金融業(yè)務(wù)領(lǐng)域拓展新的市場(chǎng)具有積極意義和實(shí)踐價(jià)值。本文梳理了供應(yīng)鏈金融業(yè)務(wù)開(kāi)展的內(nèi)涵、背景和相關(guān)理論;以中國(guó)銀行江蘇省分行(下稱"江蘇中行")為研究對(duì)象,結(jié)合作者在江蘇中行長(zhǎng)期從事供應(yīng)鏈金融業(yè)務(wù)的實(shí)踐經(jīng)驗(yàn),歸納總結(jié)了近年來(lái)江蘇中行供應(yīng)鏈金融業(yè)務(wù)發(fā)展歷史、業(yè)務(wù)的主要產(chǎn)品、客戶和特點(diǎn);同時(shí)由于發(fā)展中仍存在諸多問(wèn)題,通過(guò)對(duì)國(guó)內(nèi)其他金融機(jī)構(gòu)供應(yīng)鏈金融業(yè)務(wù)發(fā)展經(jīng)驗(yàn)的分析,指出其供應(yīng)鏈金融業(yè)務(wù)發(fā)展的實(shí)踐經(jīng)驗(yàn);最后本文指出江蘇中行在產(chǎn)品創(chuàng)新和發(fā)展、內(nèi)部管理控制和在線系統(tǒng)建設(shè)方面存在的不足,提出了江蘇中行應(yīng)重點(diǎn)關(guān)注供應(yīng)鏈金融業(yè)務(wù)產(chǎn)品的創(chuàng)新、內(nèi)部流程及風(fēng)險(xiǎn)防控體系的優(yōu)化和信息系統(tǒng)及人才技術(shù)的加強(qiáng)等三方面業(yè)務(wù)拓展的思路和策略,希望能夠有助于江蘇中行改善信貸業(yè)務(wù)結(jié)構(gòu)和客戶結(jié)構(gòu),增強(qiáng)核心企業(yè)對(duì)江蘇中行的依賴度,降低江蘇中行授信資產(chǎn)風(fēng)險(xiǎn),提高整體盈利水平,為江蘇中行業(yè)務(wù)轉(zhuǎn)型發(fā)展提供一定的戰(zhàn)略性建議。
[Abstract]:Under the background of global economic integration, competition among enterprises has gradually become the competition among all links of the whole supply chain. Domestic commercial banks conform to the trend of enterprise globalization and meet the overall financial service demand of the enterprise supply chain. Actively develop supply-chain oriented financial services, seize the new "commanding heights" of business development, so as to speed up the transformation and development of enterprises. More and more supply chain operations have replaced the original single way of lending based on real estate guarantees. Supply chain finance is a set of financial solutions provided by banks to the core enterprises and small and medium-sized enterprises in the supply chain by integrating the financial resources of the supply chain. As one of the five state-owned commercial banks, The Bank of China Jiangsu Branch clearly recognizes the importance of carrying out the supply chain financial business, and focuses on the exploration of the supply chain financial business field and increases its innovation. This paper analyzes the current situation and shortcomings of the supply chain financial business of Bank of China Jiangsu Branch, and puts forward relevant development strategies. It has positive significance and practical value for Bank of China Jiangsu Branch and other domestic commercial banks to expand new market in the field of supply chain finance business. Taking Bank of China Jiangsu Branch (hereinafter referred to as "Bank of China Jiangsu Province") as the research object, combined with the author's long-term experience in the supply chain finance business of Jiangsu Bank of China, this paper summarizes the development history of supply chain finance business of Bank of China in Jiangsu Province in recent years. The main products, customers and characteristics of the business, at the same time, because there are still many problems in the development, through the analysis of the experience of other domestic financial institutions in the development of supply chain financial business, the paper points out the practical experience of the development of the supply chain financial business. Finally, this paper points out the shortcomings of BOC in product innovation and development, internal management control and online system construction, and points out that Bank of Jiangsu should focus on the innovation of supply chain financial business products. The optimization of internal process and risk prevention and control system and the strengthening of information system and talent technology are the three aspects of thinking and strategy of business expansion, hoping to help the Bank of Jiangsu to improve the credit business structure and customer structure. Enhancing the reliance of the core enterprises on the Bank of Jiangsu, reducing the risk of the Bank of Jiangsu credit assets, improving the overall profitability level, and providing some strategic suggestions for the business transformation and development of Bank of China in Jiangsu Province.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F274;F832.2

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