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MBA硕士论文_苏州市农业银行供应链金融模式探讨DOC

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文本描述
摘要
对于供应链金融来说,其为当前创新型金融服务其中之一,其也为如今我国
在金融业中进行供给侧改革的重要的突破点,其有利于商业银行能够创造出新型
开盈利趋向,能够获取大量批次有关的客户群体,能够提供有效的方式,有助于
确保供应链上下游公司与总体链条的资金流动稳步,有利于促进商物流与信息流
以及资金流之间相互协调发展。由于如今互联网电商平台发展步伐迅猛,大部分
公司达到了电商化,随着互联网、电子信息技术的发展,对于商业银行供应链金
融模式来说,其从最初为线下逐步转向线上,该模式具有创新性,同时有助于引
导更多的商业银行创新开发供应链金融业务。面对当前电商发展快速时代背景下,
最近几年来,我国商业银行往往在供应链金融领域中展开大量的探索工作,大多
商业银行均构建或已经运营着多种供应链有关的金融业务。然而其中存在一些问
题,比如说商业银行在供应链金融领域中具有一些缺点,例如融资成本不断上涨,
审查与批准流程复杂与太长,出现多种票据造假的事件较多,如今媒体自发报道
了在多类票据融资方面中出现的多种问题。所以,我国商业银行应当不断地改进
与健全供应链金融模式,进一步开拓出具有创新理念的供应链金融发展模式,从
而有利于我国商业银行供应链金融模式长期健康稳步发展

本文首先对研究的背景与意义、文献综述进行阐述,解决了研究基础性问题,
为研究奠定了见识的基础,接着对供应链金融及模式相关理论进行概述,为研究
提供了理论支持,在此基础上,对苏州农业银行供应链金融业务现状进行分析,
重点探讨了苏州市农业银行应收账款融资模式运行以及应收账款模式改善的必要
性,并且提出了苏州农业银行供应链金融模式改善的方案设计,从改善的基础条
件、外部环境以及改善措施三个大的方面展开论述。通过案例,结合分析,本文II
对于供应链金融模式这一问题有了更深刻的认识,也提出了自己的观点和看法,
达到了预期的研究目标

关键词:商业银行 供应链金融 模式研究
作 者:陆瑶晶
指导教师:罗正英III
Discussion on Supply Chain FinanceModel of
Agricultural Bank ofSuzhouCity - BasedonSuzhou City
Agricultural BankAccountsReceivable Financing Mode
Abstract
As a new type of financial service, supply chain finance is a powerful breakthrough
in the reform of China&39;s financial industry. It not only opens up new profit direction for
commercial banks, obtains customer base in bulk, but also ensures the supply chain
upstream and downstream enterprises and the whole Chain flow of funds to provide an
effective way to run, so that capital flow, information flow, logistics, business flow to
achieve an orderly docking. With the development of Internet and electronic
information technology, more and more enterprises to achieve commercialization,
commercial banks supply chain financial model began to line down from the line, this
new platform model for other commercial banks innovation online Supply chain
financial business provides a new way of thinking.In this case, in recent years,
commercial banks have been in the supply chain finance to do all kinds of exploration,
the major commercial banks have also set up or carry out a variety of supply chain
finance business. However, with the continuous development of the environment, on the
one hand, commercial banks supply chain finance there are all kinds of drawbacks: high
cost of financing, the approval process cumbersome and tense, all kinds of counterfeit
counterfeit events have been endless, the media reported various bills Financing
problems continue. Therefore, China&39;s commercial banks began to improve the supply
chain financial model, began to appear some innovative supply chain financial approach
for China&39;s commercial banks supply chain financial model for the future development
of a better help.
This paper first elaborates the background, significance and literature review of theIV
research, solves the basic problem of research, lays the foundation for the study, then
gives an overview of the theory of supply chain finance and model, and provides
theoretical support for the study. Based on the analysis of the status quo of supply chain
financial business of Suzhou Agricultural Bank, this paper discusses the necessity of the
financing mode of accounts receivable of Suzhou Agricultural Bank and the
improvement of accounts receivable mode, and puts forward the supply chain financial
model of Suzhou Agricultural Bank Improve the design of the program, from the
improvement of the basic conditions, the external environment and improve the three
major aspects of the discussion. Through the case, combined with the analysis, this
article has a deeper understanding of the supply chain financial model, also put forward
their own views and views, to achieve the desired research objectives.
Key words: commercial banks, supply chain, financial model
Written by:Lu Yaojing
Supervised by:Luo Zhengying目 录
第一章 绪 论...1
一、研究的背景与意义........1
(一)研究的背景.........1
(二)研究的意义.........2
二、文献综述3
(一)国外相关文献综述.........3
(二)国内相关文献综述.........4
第二章 供应链金融及模式相关理论概述.......7
一、供应链和供应链金融的相关概念........7
(一)供应链相关概念.7
(二)供应链金融相关概念.....9
二、供应链金融相关理论..10
(一)信息不对称理论...........10
(二)委托代理理论...11
(三)贸易自偿性融资理论...12
(四)交易成本理论...13
三、供应链金融模式相关理论......14
(一)应收账款融资模式.......14
(二)保兑仓融资模式...........16
(三)融通仓融资模式...........17
第三章 苏州农业银行供应链金融业务现状分析.....20
一、苏州农业银行应收账款融资模式运行分析..20
(一)运行模式...........20
(二)内部管理机制现状.......21
二、应收账款模式改善的必要性..23
(一)外部环境...........23(二)竞争对手...........25
第四章 苏州农业银行供应链金融模式改善的方案设计.....2
8一、改善的基础条件....
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