【作者】 张帆；

【导师】 罗光林；

【作者基本信息】 郑州大学 ， 工商管理硕士（专业学位）， 2020， 硕士

【摘要】 供应链金融是金融机构推出的创新产品和服务项目,伴随着国家对供应链金融的大力推动和业务参与主体需求的日益增长,供应链金融市场存在巨大的发展空间,成为我国各大商业银行业务转型发展的重点要战略方向和主要增长点。因此,加强对商业银行供应链金融问题的研究,既符合国家政策导向,又是符合以客户为中心提升商业银行核心竞争力的战略选择。经过多年发展,我国商业银行开展供应链金融业务的实践虽然已取得明显成效,但仍未得到大范围的推广应用,市场开拓明显不足。商业银行发展供应链金融业务需要解决的问题还非常多,国内相关的研究成果还比较有限。因此,本文结合作者的工作经验,运用文献分析法、实例分析法、比较分析法等方法和理论,对G银行Z分行供应链融资业务进行了认真研究分析。首先,分析了G银行Z分行供应链融资业务的现状,其次,指出其供应链金融业务面临的主要问题,诸如供应链客户基础薄弱、产品竞争力不足,风控水平有限及审批效率低、分析了供应链金融信息化水平低、员工专业程度和积极性普遍不高等方面的成因,最后,从调整供应链营销策略、加强产品推广和创新、提升供应链金融综合风险控制能力、推进科技金融建设、加强专业人才培养,建立合理激励考核机制等方面提出了G银行Z分行供应链金融业务发展的具体对策建议。本研究的主要目的是为了对G银行Z分行的供应链业务发展提供理论参考,同时也希望对我国更多商业银行开展供应链金融业务能够起到一定的借鉴和启发作用。更多还原

【Abstract】 Supply chain finance is an innovative product and service project launched by financial institutions.With the strong promotion of supply chain finance by the state and the growing demand of business participants,there is a huge development space in the supply chain financial market,which has become the key strategic direction and main growth point of the business transformation and development of major commercial banks in China.Therefore,to strengthen the research on the supply chain finance of commercial banks is not only in line with the guidance of national policies,but also in line with the strategic choice of customer-centered to enhance the core competitiveness of commercial banks.After years of development,China’s commercial banks’ practice of carrying out supply chain financial business has achieved remarkable results,but it has not been widely promoted and applied,and the market development is obviously insufficient.There are many problems that need to be solved in the development of supply chain financial business of commercial banks,and the domestic related research results are relatively limited.Therefore,based on the author’s work experience,this paper uses literature analysis,case analysis,comparative analysis and other methods and theories to study and analyze the supply chain financing business of G Bank Z Branch.Firstly,this paper analyzes the current situation of supply chain financing business of G Bank Z Branch,secondly,points out the main problems faced by its supply chain financial business,such as weak customer base,insufficient product competitiveness,limited risk control level and low approval efficiency,analyzes the causes of low level of supply chain financial information,low level of staff professionalism and enthusiasm,finally,from the perspective of The specific countermeasures and suggestions for the development of the supply chain financial business of G Bank Z Branch are put forward in the aspects of adjusting the supply chain marketing strategy,strengthening product promotion and innovation,improving the comprehensive risk control ability of supply chain finance,promoting the construction of science and technology finance,strengthening the training of professional talents,and establishing a reasonable incentive and assessment mechanism.The main purpose of this study is to provide theoretical reference for the development of supply chain business of G Bank Z Branch,and also hope to play a certain reference and inspiration role for more commercial banks in China to carry out supply chain financial business.更多还原