本文基于供应链金融的概念、特点及相关理论对我国商业银行供应链金融业务目
前主要的融资模式进行了研究，并以 B 银行为切入点，对 B 银行供应链金融业务的发
展现状进行了深入的调查分析。分别介绍了 B 银行在预付账款融资、存货质押融资、
应收账款融资这三种供应链融资模式项下的主要产品，并结合 B 银行在不同融资模式
项下的典型案例，探讨了三种供应链融资模式在具体应用中的优势和风险点。除了 B
银行供应链金融业务发展好的方面，在研究中也发现了其存在的一些问题：产品不够
丰富、风险管理理念陈旧、业务管理模式低效、电子化发展滞后。同时也对造成这些
问题的成因展开了深入探究，发现 B 银行竞争意识的偏差、风险内控机制的不完善、
供应链管理的不足以及一些外部因素的影响都一定程度阻碍了 B 银行供应链金融业
务的发展。并在此基础上，针对 B 银行存在的问题分别提出了相应的解决对策。II
希望通过本文对 B 银行供应链金融业务的主要融资模式及产品、业务发展存在的
问题及解决对策的研究，可以给包括 B 银行在内的国内商业银行供应链金融业务未来
的发展提供一些借鉴意义，加快我国供应链金融的发展
关键词：供应链金融、中小企业、B 银行、融资模式、存在问题、发展
作 者：夏 露
指导老师：夏永祥
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Research on Supply Chain Financial Business
Development of Commercial Banks in China
—Take B bank as an example
Abstract
With the continuous development of reform and opening up, the number of small and
medium-sized enterprises in our country increases fast and they gradually become the main
force to promote the development of national economy. But limited by small and
medium-sized enterprises’ own scale, fewer fixed assets, less money and financing
difficulty are always important factors of restricting the development of small and
medium-sized enterprises.Especially in the supply chain as supply - production - sales,
small and medium-sized enterprises’ cash-strapped problem becomes more prominent, that
makes the whole industry supply chain out-of-balance and seriously impacts on the
competitiveness of the supply chain as a whole. In this context, in order to solve the
financing difficulty of small and medium-sized enterprises,Supply Chain Finance
wasdesigned and walkedinto people’s line of sight. As a new mode of financial service,
Supply Chain Finance wins the great attention of domestic and foreign financial
institutions and starts in rapid development. Although domestic Supply Chain Finance
starts relatively late, but also gradually becomes the importance of domestic commercial
banks’ business development. On the one hand, Supply Chain Financeprovides a new train
of thought to break the financing difficulty for small and medium enterprises. Commercial
banks breakthrough the traditional credit assessment approach,combinesmall and
medium-sized enterprises with the core enterprise in the supply chain as a whole supply
chainto evaluate and provide comprehensive financing solutions for them.On the other
hand, Supply Chain Finance also brings new business and profit growth point for
commercial banks.It realizes win-win situation of commercial banks and enterprises.
Based on the concept and characteristics of Supply Chain Finance and related
theories,this articlecarries on the exploration for our country commercial banks’main
financing model of Supply Chain Finance business. And with B Bank as the breakthroughII
point, it carries on the thorough investigation and analysis to present development of B
Bank’sSupply Chain Finance business. The article introduces respectively main products
inB Bank’sthree supply chain financing modes: in advance payment financing, inventory
financing, accounts receivable financing. And combines with B Bank’stypical cases in
different financing modes , this paper discusses advantage and risk points of the three kinds
of supply chain financing mode in specific application. In addition to good aspects of B
Bank’sSupply Chain Finance business development, the study also finds some problems:
productsare not enough rich, outdated risk management concept, inefficient business
management mode, electronic businessdevelopment lags behind. At the same time, the
article studies reasons what lead to those problems and finds that competitiveness deviation,
imperfectrisk internal control mechanism, the shortage of supply chain managementand the
influence of some external factors hinder the development of B Bank’sSupply Chain
Finance business in a certain extent. On this basis, it puts forward the corresponding
countermeasuresrespectively for the existing problems.
The author hopes that through the research in main financing modes and products,
problems in business development and countermeasures of B Bank’s Supply Chain
Finance business in this article, it could provide some reference for the future development
of Supply Chain Finance business to domestic commercial banksincluding B Bank and
speed up the development of Supply Chain Finance in China.
Keywords: Supply Chain Finance, small and medium-sized enterprises, B Bank,
financing mode,problems,development
Written by：Xia Lu
Supervised by：Xia Yongxiang
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目 录
第 1 章 导 论 .......1
1.1 研究背景和意义 ..........1
1.1.1 研究的背景1
1.1.2 研究的意义2
1.2 国内外研究综述及简要评析 ..2
1.2.1 国内外研究概况....2
1.2.2 对供应链金融业务发展意义和作用的研究........3
1.2.3 对供应链金融业务发展现状和运作模式的研究4
1.2.4 对供应链金融业务创新发展的研究........5
1.2.5 对供应链金融业务风险和控制对策的研究........6
1.2.6 国内外研究评析....7
1.3 研究的方法、思路及框架 .....7
1.3.1 研究方法...7
1.3.2 研究思路....8
1.3.3 论文框架....8
第 2 章 供应链金融相关的理论基础
。。。以上简介无排版格式，详细内容请下载查看
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