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论文编号：	1081
作者编号：	2120072141
上传时间：	2009/6/8 12:52:45
中文题目：	我国商业银行物流仓储信贷业务研
英文题目：	Chinese Commercial Bank''s war
指导老师：	李莉教授
中文关键字：	商业银行；中小企业；物流仓储信
英文关键字：	Aommercial bank；Small and med
中文摘要：	摘 要 物流仓储信贷业务是我国商业银行适应市场发展需要，解决中小企业融资难问题的产物，其有效的解决了目前我国商业银行放贷难、中小型企业融资难的矛盾。随着我国经济的不断深入发展，中小企业对整个国民经济的支柱作用越发凸显，成为我国经济、社会发展的重要力量。但是我国的中小型企业在其发展道路上也遇到了诸如融资难、社会服务体系不健全、信息缺乏、企业管理水平低、市场竞争能力弱、整体素质有待提高等一些不容忽视且亟待解决的问题。这其中尤以融资难问题最为突出，有资料显示目前我国有六成以上的中小型企业遇到融资难题，融资难问题已经成为制约我国中小型企业发展的瓶颈，急待妥善解决。 目前我国的商业银行业应当充分认识中小企业的地位和作用，认清其为中小企业提供金融服务的必要性。同时发挥自身优势，卓有成效地努力构建支持中小企业发展的商业银行金融服务体系，开拓新的效益增长点。本文从理论研究和实际应用入手，对当前经济环境中我国商业银行针对中小型企业开展的物流仓储信贷业务进行了浅显的分析和探讨。物流仓储信贷业务是以供应链金融理念为指导的，在这种业务模式下商业银行改变了传统对企业信用的评级视角。商业银行从原来专注于对中小企业本身的信用风险评估，转变为对整个供应链及其核心大企业之间交易的信用风险评估，从而从根本上解决了银行与中小型企业之间由于信息的不对称所引起的借贷矛盾。本文在回顾了国外相关业务的发展历程后，总结出从中可以借鉴的经验。同时分析了我国现有物流仓储信贷业务的主要业务模式，并在此基础上指出了现有业务模式的不足和成因。文章还对深圳发展银行成功开展物流仓储信贷业务的案例进行了分析，提出我国商业银行未来发展物流仓储信贷业务的意见和建议.
英文摘要：	Abstract Warehousing logistics financing is Chinese commercial banks’ new business which can effectively solve the financing problem for small and medium enterprises(SEMs). This new business adapts to the market development. It can solve the contradiction between Chinese commercial banks and SMEs. With the rapid development of Chinese economy, as the pillar of our national economy, small and medium enterprises(SEMs) play an important role in pushing forward of our country's economical and social progress. But, Chinese SEMs have encountered a lot of questions on their way of development, such as financing difficulties, the unsound social services system, lacking of information, low levels of corporate governance, weak situation in competition, and SEMs’ low quality. Among these questions, the particular one is the difficulties in financing. More than 60% our country's SEMs have financing difficulties. This problem is becoming a bottleneck for the development of SMEs and, needs to be properly resolved. Chinese commercial banks should be fully aware of the status and role of SEMs, and should get a clear understanding on how important the Chinese commercial banks’ providing financial services to SMEs is. Chinese commercial banks should exert their own advantages and build up financial service system to support the development of SMEs. They should also find out new growing point in getting profit. Basing on theoretical study and practical application, this thesis analyzes our commercial banks’ warehousing logistics financing on the current economic environment. Warehousing logistics financing is based on supply chain financing business concepts and has changed the corporate credit rating perspective of traditional commercial banks. Commercial banks focused on SEMs’ own credit risk assessments before. Now commercial banks focus on the entire supply chain and its core large enterprises’ transactions between credit risk assessment. The change solves the problem between the banks and SEMs. In this thesis we recalled the certain businesses developing course abroad and summed up the experience from which we can draw on. At the same time, we introduced Warehousing logistics financing models in Chinese and found out the existing business model deficiencies and the causes. The thesis analyzed the successful case of Shenzhen Development Bank, and brought out the suggestions on how to develop the Warehousing logistics financing in the future for Chinese commercial banks.
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