【摘要】：供應(yīng)鏈金融業(yè)務(wù)是金融與實(shí)體產(chǎn)業(yè)合作的典范,也是破解中小企業(yè)融資難的重要的對(duì)策。供應(yīng)鏈金融在我國(guó)發(fā)展了十多年,這項(xiàng)業(yè)務(wù)已經(jīng)成為各大商業(yè)銀行的必爭(zhēng)之地,同業(yè)競(jìng)爭(zhēng)空前激烈。另外,近幾年我國(guó)宏觀經(jīng)濟(jì)形勢(shì)發(fā)生了根本的變化,一些行業(yè)出現(xiàn)了產(chǎn)能過(guò)剩、價(jià)格低迷的現(xiàn)象,這給供應(yīng)鏈金融的業(yè)務(wù)風(fēng)險(xiǎn)控制帶來(lái)了挑戰(zhàn)。同時(shí),互聯(lián)網(wǎng)金融公司也紛紛進(jìn)入供應(yīng)鏈金融領(lǐng)域,與傳統(tǒng)銀行展開了正面的交鋒�；阢y行供應(yīng)鏈金融發(fā)展的困局,如何優(yōu)化供應(yīng)鏈金融業(yè)務(wù)的發(fā)展策略成為了銀行業(yè)研究的重要課題。本文首先介紹了供應(yīng)鏈金融的形成的原因以及其業(yè)務(wù)特點(diǎn),結(jié)合平安銀行的現(xiàn)有產(chǎn)品體系,詳細(xì)介紹了平安銀行的預(yù)付、現(xiàn)貨以及存貨三大供應(yīng)鏈金融業(yè)務(wù)的典型產(chǎn)品,對(duì)比平安銀行與銀行同業(yè)的產(chǎn)品差異,指出平安銀行業(yè)務(wù)模式不能適應(yīng)市場(chǎng)的發(fā)展需求,在經(jīng)濟(jì)下行周期中暴露風(fēng)險(xiǎn)控制能力不足的弱點(diǎn),并從產(chǎn)品創(chuàng)新、平臺(tái)建設(shè)、風(fēng)險(xiǎn)控制三個(gè)方面對(duì)平安銀行的供應(yīng)鏈金融發(fā)展提出了優(yōu)化策略。在產(chǎn)品建設(shè)中,對(duì)客戶提供產(chǎn)業(yè)鏈的全鏈條產(chǎn)品服務(wù),把金融服務(wù)貫穿到整個(gè)供應(yīng)鏈中,滿足不同層次的供應(yīng)鏈企業(yè)的需求。突破現(xiàn)有產(chǎn)品體系限制,大力發(fā)展網(wǎng)絡(luò)金融產(chǎn)品,將供應(yīng)鏈的流程信息數(shù)據(jù)化,簡(jiǎn)化客戶授信流程,利用互聯(lián)網(wǎng)覆蓋面廣的特點(diǎn),突破平安銀行現(xiàn)有物理網(wǎng)點(diǎn)限制,批量獲取客戶,擴(kuò)大供應(yīng)鏈金融的業(yè)務(wù)規(guī)模。同時(shí),與第三方信息平臺(tái)進(jìn)行聯(lián)盟合作,彌補(bǔ)平安銀行自有資源不足的缺點(diǎn),強(qiáng)強(qiáng)聯(lián)合,深度介入客戶的產(chǎn)業(yè)鏈中。在平臺(tái)建設(shè)方面,建設(shè)專業(yè)化智能化信息平臺(tái),突破傳統(tǒng)金融的思維限制,運(yùn)用大數(shù)據(jù)技術(shù),在客戶交互、資產(chǎn)管理、產(chǎn)品設(shè)計(jì)、交易流程、風(fēng)險(xiǎn)控制、營(yíng)銷管理、運(yùn)營(yíng)管理等方面進(jìn)行優(yōu)化,提升銀行服務(wù)的深度和廣度。在風(fēng)險(xiǎn)控制方面,利用物聯(lián)網(wǎng)技術(shù),解決現(xiàn)有業(yè)務(wù)模式中重復(fù)抵押、貨物難于監(jiān)管的問(wèn)題,并通過(guò)大數(shù)據(jù)應(yīng)用,打造以事前預(yù)防為主、實(shí)時(shí)性強(qiáng)、自動(dòng)化的風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)度量、風(fēng)險(xiǎn)控制體系。最后,從成立專業(yè)經(jīng)營(yíng)團(tuán)隊(duì)、提高信息化水平、建立嚴(yán)格的風(fēng)控體系三個(gè)方面對(duì)平安銀行供應(yīng)鏈金融發(fā)展優(yōu)化策略提出了保障措施。
[Abstract]:Supply chain financial business is a model of financial and real industry cooperation, and also an important countermeasure to solve the financing difficulties of small and medium-sized enterprises. Supply chain finance has been developed for more than ten years in our country. In addition, in recent years, the macroeconomic situation of our country has changed fundamentally, some industries have appeared the phenomenon of overcapacity and low price, which has brought challenges to the business risk control of supply chain finance. At the same time, Internet finance companies have entered the supply chain financial field, and traditional banks have launched a positive confrontation. Based on the difficulties of banking supply chain finance development, how to optimize the development strategy of supply chain financial business has become an important subject of banking research. This paper first introduces the reasons for the formation of supply chain finance and its business characteristics, combined with the existing product system of Ping an Bank, introduces in detail the typical products of the three major supply chain financial services of Ping an Bank, including prepaid, spot and inventory. By comparing the product differences between Ping an Bank and the interbank, it is pointed out that Ping an Bank's business model can not meet the needs of market development, expose the weakness of insufficient risk control ability in the down-cycle of economy, and from product innovation and platform construction, Three aspects of risk control for Ping an Bank's supply chain financial development optimization strategy. In the process of product construction, the whole chain of products and services is provided to customers, and the financial services run through the whole supply chain to meet the needs of different levels of supply chain enterprises. Breaking through the limitations of the existing product system, vigorously developing network financial products, digitizing the flow information of the supply chain, simplifying the customer credit process, taking advantage of the wide coverage of the Internet, breaking through the existing physical network restrictions of Ping an Bank, Get customers in batches and expand the business scale of supply chain finance. At the same time, alliance with the third party information platform to make up for the shortcomings of Ping an Bank's own resources, strong and powerful, deeply involved in the customer's industrial chain. In the aspect of platform construction, we should build a specialized and intelligent information platform, break through the limitations of traditional financial thinking, use big data technology, in customer interaction, asset management, product design, transaction process, risk control, marketing management, Operation management and other aspects of optimization, to enhance the depth and breadth of banking services. In the aspect of risk control, using the technology of Internet of things to solve the problem of repeated mortgage in the existing business model and the difficult supervision of goods, and through big data's application, to create a risk identification based on pre-prevention, strong real-time and automation. Risk measurement, risk control system. Finally, the paper puts forward the safeguard measures from three aspects of setting up professional management team, improving the level of informatization and establishing strict wind control system to optimize the financial development strategy of Ping an Bank supply chain.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F276.3;F275

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