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本文针对城商行供应链金融业务创新和对策研究。首先,梳理国内外相关
文献，理论性陈述供应链金融的全貌，分析归纳国内外供应链金融业务的发
展现状，总结国内领先银行在该领域取得的成绩和突破。其次，介绍微观研
究对象 C 银行及其供应链金融业务情况，再寻找 C 银行与同业标杆银行在这
方面的差距，总结出 C 银行目前发展供应链金融业务方面的特点和不足。再
次，本文以 C 银行为例，对其供应链金融传统业务模式和创新业务模式对比
研究，并结合 C 银行与相关企业的合作案例具体分析，剖析 C 银行供应链金
融传统业务模式的瓶颈，以及 C 银行在持续创新过程中得到的启示和面临的
问题，并提出拓展供应链金融创新业务的深化方向。本文认为“互联网+”供
应链金融模式创新是借助互联网技术，以企业的交易过程为核心，引入第三
方平台信息数据，突破单个供应链的限制，打造综合性金融服务平台。实现
更深入的了解客户需求，为客户、特别是大量的中小企业长尾客户，提供具
备针对性强、客户匹配性高的专业性金融服务。它不仅能够高效的开拓批量
客户，提高客户黏性，还能有效解决中小企业融资的信息不对称风险，提高
整个供应链的效益，从而打造银行的核心竞争力。城商行供应链金融业务创新与对策研究——以 C 银行为例供应链金融虽然在风险可控上具有一定优势，但创新必然带来新的风险，
特别是建立在新技术上的变革。新的模式往往强调互联网技术的应用，因此，
供应链金融创新业务在一定程度上改变了银行对风险控制的理念。最后，本
文从产品体系、渠道搭建、平台建设、数据建设、风险管理、客户管理等多
方面针对供应链金融创新如何有效防范风险，提出对策建议和保障措施
本文结合 C 银行传统和创新模式案例，将新型供应链金融分析纳入研究
体系，针对城商行深化及优化供应链金融业务给出对策建议，希望给中小商
业银行未来发展供应链金融业务一定的理论和现实指导意义
关键词:C 银行 供应链金融 传统模式 创新模式 风险控制AbstractAbstract
Under the pressure of an economic turndown, the rate and amount of the
non-performing loans increase significantly in commercial banks. Furthermore,
affected by the slow growth on profit margins, as well as the interest rate
market-orientated and the booming growth of Internet finance, commercial banks
are confronted with fierce competition from interbank market and different
industries. As a new form of financial service, supply chain finance has a great
market prospect, which not only expand business in the small and medium
enterprise markets, but also open up a new profitable way to raise income. Supply
chain finance is an effective weapon for commercial banks to make strategic
transformation and to create differentiated competitiveness. In the era of the
Internet , the rapid penetration by big data, cloud computing, blockchain and other
technologies in the banking industry brings fundamental changes to the
commercial banks. Meanwhile, it offers a new approach and breakthrough on the
innovation development of supply chain finance.
This paper aims to study the innovation and countermeasure of supply chain
finance of city commercial bank. First of all, it presents the related domestic and
foreign literature, theoretically introduces the overview of supply chain finance,
analyzes the supply chain financial model, concludes development in China and
abroad and summarizes the achievement of Chinese leading banks in the supply
chain financial service. Then it introduces the micro research object Bank C and its
supply chain finance, comparatively analyzes Bank C and the industrial leading
banks’ gap in supply chain finance and summarizes the characteristics and
insufficiencies of Bank C in developing supply chain finance. Furthermore, by
studying the case of Bank C, this paper does comparative research on the
traditional model and innovative model of Bank C. And by incorporating the
partnering business cases between Bank C and its cooperating enterprises, the
paper analyzes the bottleneck of Bank C’s traditional services of supply chainResearch on the Innovation and Countermeasure of Supply Chain Finance of City Commercial Bank
----Case Study on Bank Cfinance and the issues it encountered during the continuous innovation, and
ultimately suggests new development direction of supply chain finance. This paper
believes that internet technology has been used in “Internet Plus” supply chain
finance model innovation with the transaction of enterprises as the core, it
introduces the third-party platforms’ data and breaks the limitation of a single
supply chain to construct a comprehensive financial service platform to better
understand the needs of the client by providing more specialized management,
targeted financing and financial services to suitable customers. It not only brings a
lot of customers and improves customer loyalty, but also solves the risks of
information asymmetry to enhance efficiency and build the core competitiveness
of commercial bank.
Although the supply chain finance has some advantages in risk control, this
innovation is bound to bring new risks. The new model emphasizes the application
of internet technology, therefore, to a certain extent, supply chain finance changes
the concept of banks’ risk control. Finally, in order to guard against the risk of the
innovation of supply chain finance effectively, this paper puts forward some
suggestions and measures from the perspectives of production system, channel
construction, platform construction, data construction, risk management, customer
management, etc.
In this paper, by using the traditional and innovative cases of Bank C and
putting the innovation model of supply chain finance into the research system, it
comes up with some advice, the author hopes to provide some theoretical and
practical significance for the future development of supply chain finance.
Key words: Bank C; Supply Chain Finance; Traditional Model; Innovation Model;
Risk Control目录目录
1 绪论 ... 1
1.1 研究背景和意义 ........... 1
1.2 研究思路和方法 ........... 2
1.3 研究内容和框架 ........... 3
1.4 研究中的创新与不足 ... 4
2 供应链金融业务文献综述 . 6
2.1 供应链金融理论基础 ... 6
2.1.1 供应链金融的概述 ........... 6
2.1.2 供应链金融产生和发展的必要性 .......... 8
2.1.3 供应链金融的特点 ........... 9
2.2 供应链金融的发展历程 ......... 10
2.2.1 国外供应链金融的发展历程 ..... 10
2.2.2 国内供应链金融的发展历程 ..... 11
3 C 银行供应链金融业务现状及存在问题 ........... 15
3.1 C 银行简介及发展规划 .......... 15
3.1.1 C 银行简介 ........... 15
3.1.2 C 银行发展战略规划....... 16
3.1.3 C 银行公司业务自身特色及发展规划.. 16
3.2 C 银行供应链金融业务概况 .. 17
3.2.1 发展状况 .. 17
3.2.2 产品体系 ..........
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