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论文编号：	12766
作者编号：	2320190526
上传时间：	2021/12/8 18:35:25
中文题目：	T银行供应链金融发展策略研究
英文题目：	Research on the Optimization of Development Strategy of Supply Chain Finance of T Bank
指导老师：	张耀伟
中文关键字：	供应链金融；商业银行；运作机制；数字化；大数据
英文关键字：	Supply Chain Finance；Commercial Bank；Operation Mechanism；Digitization；Massive Data
中文摘要：	商业银行有许多项目，其中一种是服务于中小企业，并且为其量身定制的名为供应链金融的创新融资方式，这种方法对于降低中小企业融资少、融资难的困境尤其有效，真实的交易背景做为前提，供应链管理理念和方法被广范应用，主要为供应链链条上核心企业的上下游客户提供融资服务，从而提高整个链条生态系的综合竞争能力。T银行顺应市场行情推出了供应链金融业务—"数字供应链"产品体系，T银行多年来坚持服务中小企业的战略定位与该品牌完美契合，经过几年的发展，树立了良好的口碑和市场影响力。但近几年受疫情影响国际金融、地缘政治形势错综复杂，国内经济发展进入新发展阶段，市场化利率改革不断深化，互联网金融快速发展的同时，为规范行业行为，监管部门它重新定制发展的基本准则和要求，跨界融合趋势体现在方方面面，尤其是表现在金融科技上，并且逐步增强。国内金融行业近年来快速发展，自然而然地会加剧竞争，以上种种情况都说明供应链金融业务想要进一步发展，势必面临新的挑战。凡事都有两面性，这也从另一个侧面表现出机遇。如何更好的借助供应链金融业务发展契机，怎样批量获取优质客户，怎样成规模化地扩充小微企业市场份额，怎样在金融产品中融入科技创新并提升客户信赖度，怎样提高银行征信能力、进而提升信贷能力和盈利能力，怎样在互联网如此发达的现代提升供应链的新和活力，在这样的业务发展契机下，T银行的普惠金融要想发展，必须攻克这些难题。如果引导得当，发展中产生的问题可以起到很好的导向作用， T银行供应链金融业务的瓶颈如果处理恰当，根据问题因势利导，从现象到本质，把握业务中出现问题的根源，恰当处理，就能够更好地适应当代经济的发展，实现多元化、健康化，可持续化地发展，真正实现让利于民。本文首先阐述国内外供应链金融的文献综述，重点对供应链金融的定义、起源、国内外发展历程进行阐述，然后介绍了国内外供应链金融发展趋势。接着介绍了供应链发展的相关理论基础。然后详细介绍了金融业务的发展过程，主要是以T银行目前供应链业务为主。金融相关业务发展在研究方面的状况，还有目前市面上涉及大的产品"数字供应链"等产品的详实阐述。通过以上介绍得出T银行供应链业务发展面临的问题:获客能力不足，尚未形成稳定获客途径；产品综合竞争力不足，盈利能力有待提高；风险管控能力有待提升。之后是提出一些建设性的方案和意见，主要是指上面提到的T银行供应链金融业务在目前的发展过程中出现的问题。例如，怎样提升获取优质客户的能力、怎样通过强化新科学技术和加强对问题风险的把控能力方面，详细论述提升T银行业务发展水平的方式方法。
英文摘要：	As an innovativ supply chain finance has largely alleviated the problem of difficult financing for small and medium-sized enterprises.The real transaction background is the premise,and supply chain management concepts and methods have been widely used.Fan application mainly of the entire chain ecosystem.Bank T has launched a supply chain finance business-"digital supply chain" product system in accordance with market conditions.Bank T has been insisting on serving small and medium-sized enterprises for many years,and its strategic positioning perfectly fits the brand. After several years of development,it has established a good reputation and market influence.As competition in the domestic financial industry has intensified,these new requirements for the development of supply chain financial services have also brought new vitality to supply chain finance.How to better take advantage of supply chain financial business development opportunities to acquire customers in batches,develop SME markets on a large scale,innovate financial products and improve service capabilities,improve the quality of bank credit assets,increase profitability,and use new technologies to revitalize supply chain financial businesses.Is the most important problem for T Bank's next stage of development of inclusive finance.Based on the problems encountered in the development of supply chain financial business,and proposes measures to ensure the implementation of countermeasures to promote T Bank's supply chain finance The healthy and sustainable business development will allow the real economy and private enterprises to be better served and truly benefit the people. This article first at home and abroad.Then introduced the relevant theoretical basis of supply chain development.Then it introduces the development process of T Bank's supply chain financial business in detail.It focuses on introducing the current development status of supply chain finance-related businesses of Bank T and the current main product "digital supply chain" in detail.Through the above introduction,the problems faced by T Bank's supply chain business development are as follows:insufficient customer acquisition capabilities,and stable customer acquisition channels have not yet formed; product comprehensive competitiveness is insufficient,and profitability needs to be improved; risk management and control capabilities need to be improved.Then,in response to the problems faced by T Bank's supply chain financial business,feasible solutions were proposed,mainly from three aspects:improving customer acquisition capabilities,strengthening and specifically discussed ways to improve the development level of T Bank's business method.
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