摘要供应链金融作为当前国内外商业银行的新兴金融服务,成为商业银行新的业务增长点,研究商业银行如何完善其产品和服务,对促进其经济发展具有深刻意义。
文章选取中国商业银行的代表之一——中国银行为例,从中国银行供应链金融的产品设计和客户拓展两方面现状入手,分析存在的问题并针对性地提出对策建议。首先,从中国银行供应链金融的产品设计角度,整理了中国银行现有的主要产品,归纳出其存在的二个问题:产品创新度不够、与第三方机构合作还需深化。针对这些问题,提出中国银行进行全新的产品创新,采用金融与物流的相结合方案,与第三方企业深入合作。其次,从客户方面,分析中国银行现有的供应链金融客户情况,归纳出其存在的三个问题:核心大客户关系还需维护、中小企业客户群有待开发、全球化的供应链金融服务有待拓展并就此提出相应对策建议。最后,总结对案例分析后所提出解决策略,并以此作为商业银行完善供应链金融产品设计以及客户拓展的借鉴。45444
毕业论文关键词:商业银行; 供应链金融; 发展策略
Abstract
As a new financial service to the commercial banks at home and abroad, supply chain finance has become a new growth point of business of commercial banks. To study how to improve its products and services to promote their economic development has profound significance.
The paper selected Bank of China, on behalf of Chinese commercial banks, as an example, expanding the current situation from two aspects of supply chain finance’s product design and customer of Bank of China, analysing its problems and put forward suggestions. First of all, from the supply chain finance’s product design point of Bank of China, organized Bank of China's main product, and summed up the two issues of its existence: Product innovation is not enough, need to deepen cooperation with third parties. To solve these problems, Bank of China raised new product innovation, the use of a combination of financial and logistics solutions, in-depth cooperation with third-party companies. Secondly, from the client side, analysed the supply chain finance’s customer situation of Bank of China, summed up the three issues of its existence: the need to maintain the core of a large client relationships, the SME customer base to be developed, global supply chain financial services to be expand, and made appropriate suggestions. Finally, made a summary of the case study of the proposed solution strategies to be a perfect supply chain financial product design and customer development reference of commercial banks.
Key words:Commercial Bank;Supply Chain Finance;Development strategy
目 录
摘 要 Ⅰ
Abstract Ⅱ
一、绪论 1
(一)研究背景 1
(二)研究意义 1
二、理论背景 2
(一)供应链金融的内涵与特点 2
(二)供应链金融的三种融资模式 3
三、研究方法 5
(一)研究方法 5
(二)案例选择 6
(三)资料收集 6
四、中国银行供应链金融发展现状分析 6
(一)商业银行供应链金融发展现状 6
(二)中国银行供应链金融概况 8
(三)中国银行主要供应链金融产品简介 8
(四)中国银行供应链金融客户特点 10
五、中国银行供应链金融存在的问题分析 11
(一)产品创新度不够 12
(二)与第三方机构的合作还需深化 12
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