近年来，随着互联网技术的不断进步，我国电子商务得到迅猛发展。与此同时， 中国经济发展进入“新常态”，国内商业银行利润下降、增速放缓，加强对成本开 支端的管控日益迫切。在采购环节，商业银行急需融合互联网技术，改革传统采购 模式，以达到节约采购成本、提高工作效率、提升整体竞争力的目标。中国农业银 行在同业中率先启动电商化采购模式，有效解决银行传统采购中的痛点，但在推广 电商采购模式过程中也遇到诸多问题。研究国内商业银行电商化采购模式优化策 略，有助于提高采购工作效率，更好地服务于商业银行经营发展战略。 本研究以中国农业银行Q分行为例，旨在分析电商化采购模式面临的问题，提 出优化的对策建议。首先，总结研究的目的和意义，归纳国内外研究动态，明确研 究的内容和解决的主要问题；其次，梳理分析供应链与采购管理相关理论，对供应 链、供应链管理、采购管理及农业银行采购管理模式等进行诠释。再次，以农业银 行Q分行为例，分析该行电商化采购管理现状，发现管理中存在的问题并探究其原 因。最后，提出农业银行电商化采购模式优化的应对策略。 通过对农业银行已经上线运营的“集采通用商城”研究发现，农业银行Q分行 电商化采购管理中存在商品配送与服务分离、服务内容单一、商品管理不到位、应 急准备不足、线下服务体验不足等问题，其深层原因在于电商企业定位、内部管理、 运作模式和专业化服务能力等方面亟待优化。为进一步优化商业银行电商化采购管 理，建议通过以下方面着手：银行方面，应完善制度体系建设，建立零星采购管理 办法、正向激励机制、使用评价机制、商品分类审核机制和议价机制；电商企业方 面,应提高专业化服务能力，做好线下服务体验、扩增商品库存、缩短定制周期、 扩增服务内容；银企双方：要转化管理理念，以供应链思维为导向，建立全面战略 合作关系。 关键词：电商化采购；商业银行；优化策略 II Abstract Inrecentyears,withthedevelopmentofInternettechnology,China'se-commerce hasdevelopedrapidly..Atthesametime,China’seconomicdevelopmenthasentereda “newnormal”,domesticcommercialbanks’profitshavedeclined,growthhasslowed down,andthecontrolovercostandexpenditurehasbecomeincreasinglyurgent.Inthe procurementprocess,commercialbanksurgentlyneedtointegrateInternettechnology andreformthetraditionalprocurementmodeltoachievethegoalofsavingprocurement costs,improvingworkefficiencyandimprovingoverallcompetitiveness.The AgriculturalBankofChinatooktheleadinlaunchingthee-commerceprocurement modelintheindustry,effectivelysolvingthepainpointsinthetraditionalprocurementof banks,butencounteredmanyproblemsintheprocessofpromotingthee-commerce procurementmodel.Studyingtheoptimizationstrategyofe-commerceprocurement modeofdomesticcommercialbankswillhelptoimprovetheefficiencyofprocurement workandbetterservethedevelopmentstrategyofcommercialbanks. ThisstudyusestheexampleoftheAgriculturalBankofChinaQBranchtoanalyze theproblemsfacedbythee-commerceprocurementmodelandproposecountermeasures foroptimization.First,summarizethepurposeandsignificanceoftheresearch, summarizetheresearchtrendsathomeandabroad,andclarifythecontentoftheresearch andthemainproblemstobesolved.Secondly,itsummarizesandanalyzestheories relatedtosupplychainandprocurementmanagement,andinterpretssupplychain, supplychainmanagement,procurementmanagementandagriculturalbankprocurement managementmode.Thirdly,withtheexampleofQBranch,analyzethecurrentsituation ofthee-commerceprocurementmanagementoftheAgriculturalBank,findoutthe existingproblemsandanalyzethecauses.Finally,thepaperputsforwardthe countermeasuresfortheoptimizationofthee-commerceprocurementmodelofthe AgriculturalBank. ThroughtheresearchonthecentralizedprocurementoftheGeneralMall,whichhas III beenputintooperationbytheAgriculturalBank,thee-commerceprocurementmodelof theAgriculturalBankofQBranchhasproblemssuchascommoditydistributionand serviceseparation,narrowservicecontent,commoditymanagementisnotinplace, emergencypreparednessisinsufficient,andofflineserviceexperienceisinsufficient. Theseissuesreflecttheneedfore-commerceplatformtooptimizeintermsofenterprise positioning,internalmanagement,operationalmodeandprofessionalservice capabilities.Inordertofurtheroptimizethee-commerceprocurementmanagementof commercialbanks,itisrecommendedtoproceedthroughthefollowingaspects:Interms ofbanks,weshouldimprovethesystemconstruction,establishsporadicprocurement managementmethods,positiveincentivemechanisms,useevaluationmechanisms, commodityclassificationreviewmechanisms,andbargainingmechanisms.For e-commercecompanies,theyshouldimprovetheirprofessionalservicecapabilities,do offlineserviceexperience,expandcommodityinventory,shortencustomizationcycles, andexpandservicecontent.Bothbanksande-commercecompanies:totransform managementconcepts,takesupplychainthinkingastheguide,andestablisha comprehensivestrategicpartnership. Keywords:E-commerceprocurement；Commercialbank；OptimizationStrategy IV 目录 第一章引言.......................................................................................................................1 1.1研究背景和意义..................................................................................................1 1.1.1研究背景...................................................................................................1 1.1.2研究目的和意义.......................................................................................2 1.2国内外研究动态..................................................................................................2 1.2.1国外研究动态...........................................................................................2 1.2.2国内研究动态...........................................................................................4 1.2.3文献综评...................................................................................................5 1.3研究内容..............................................................................................................6 1.3.1思路与主要内容.......................................................................................6 1.3.2研究方法...................................................................................................6 1.3.3主要解决的问题.......................................................................................7 第二章采购管理相关理论概述.......................................................................................8 2.1供应链管理理论概述..........................................................................................8 2.2采购管理理论概述..............................................................................................9 2.2.1采购管理理论概述...................................................................................9 2.2.2采购管理的目标.......................................................................................9 2.3基于供应链理论下的采购管理........................................................................10 第三章农业银行采购管理概述.....................................................................................12 3.1农业银行基本情况概述....................................................................................12 3.1.1中国农业银行基本情况概述.................................................................12 3.1.2农业银行Q分行基本情况概述.............................................................12 3.2农业银行采购管理概述....................................................................................13 3.2.1农业银行采购管理发展历程.................................................................13 3.2.2农业银行集中采购组织管理及部门职责.............................................14 3.3农业银行集中采购基本流程简介....................................................................16 3.3.1申请集中采购.........................................................................................16 3.3.2实施集中采购.........................................................................................16 3.3.3履约付款.................................................................................................17 3.4农业银行集中采购模式存在的问题................................................................18 3.4.1集中采购周期长、流程繁琐，采购效率低下.....................................18 V 3.4.2需求信息不准确，导致采购结果与采购期望有偏差..............