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论文编号：	6854
作者编号：	2120122768
上传时间：	2014/12/7 20:50:37
中文题目：	H银行供应链金融的应用研究
英文题目：	H Bank’s Supply Chain Finance Application Research
指导老师：	陈国欣
中文关键字：	供应链金融；融资模式；钢铁行业；未来战略
英文关键字：	Supply chain finance; future strategic; financing model; steel industry
中文摘要：	在传统的融资模式下，各产业链成员都面临着不同的压力，核心企业在扩大生产和销售的同时，需要注意自身压缩融资，降低财务成本。上游中小型供应商相较核心企业，谈判地位处于劣势，面临原材料采购资金短缺，融资困难，应收账款回收慢窘境，从而很难扩大产能。对于下游经销商来讲，由于自身的实力小，无法获得银行融资，同时采取的预付款形式，资金占用率高，也很难扩大销售。供应链金融的实施改变了这一局面，它以整条供应链为视角，抛开了对单一企业的审查，以核心企业为主体，对其上下游中小企业提供授信融资，解决了长期困扰中小企业的融资局限性问题，实现了银企双赢。 本文以供应链金融理论为出发点，介绍了我国商业银行供应链金融发展情况，存在的问题以及发展趋势，重点论述H银行开展供应链金融的产品与模式，用SWOT分析法分析了服务方案的优势、劣势、机会与威胁。分析了供应链金融可能存在的风险形式及防范对策，并具体介绍了H银行供应链金融的风险防范措施。论文以我国钢铁行业为范例，结合H银行对钢铁行业企业融资为范例，分析介绍了通过供应链金融的应用，H银行如何解决钢铁行业中小企业融资难问题，反应了供应链金融的竞争能力和应用价值。 在供应链金融运作中,供应链融资模式通过“巧借核心企业信用，盘活企业存货，用活应收账款”等三大途径，化解了中小企业“信用弱、周转资金缺乏、应收账款回收慢、贷款担保难”四大融资障碍，从而有助于解决中小企业融资困境。同时，银行由单纯的资金提供者变为全面了解企业、为企业提供全方位金融服务的合作方，银行可以利用自身的信息优势和风险控制手段，帮助企业改善经营并巩固供应链建设，在降低企业经营风险的同时，减少银行信贷风险，并由此更加巩固银企合作关系。
英文摘要：	In the traditional financing model, each chain members are facing different pressures, the core business to expand production and sales, but also need to pay attention to their own compression facilities, reduce financial costs. But compared to the core business of upstream suppliers, negotiating position at a disadvantage, facing a shortage of raw materials procurement funds, financing difficulties, the slow recovery of accounts receivable dilemma, making it difficult to expand capacity. For downstream distributors concerned, because of their strength is small, unable to obtain bank financing, advances in the form of capital while taking occupancy rate, it is difficult to expand sales. Supply chain finance is out of a single enterprise, standing height of the global supply chain to provide financial services, both to solve the long-term challenges faced by SMEs financing limitations, but also expanded the depth of the banking sector. Firstly, supply chain finance theory, brief analysis of the status and characteristics of China's commercial banks supply chain finance business development, focuses on the advantages of Ping An Bank to carry out financial services supply chain solutions, weaknesses, opportunities and threats. Secondly, based on the steel industry chain overview, current development of the steel industry and the basic situation of enterprises fully H analysis, Ping An Bank elaborated supply chain finance solutions in H photovoltaic enterprise, to illustrate the application of supply chain finance value and competitiveness. From an application perspective, supply chain finance and created a new way of thinking in corporate finance, while addressing the steel business financing bottlenecks. Due to track and monitor the whole process of the transfer of funds, but also renowned for their effective control of the bank credit risk, banks and enterprises to achieve a win-win situation. Finally, the risk of supply chain finance business may exist, combining the characteristics of Ping An Bank's financial operations and supply chain application status in H enterprise proposed selection and further application of Ping An Bank in the steel industry supply chain strategy for the future of the financial model perfect. In the supply chain, financial operations, supply chain financing model through the "Solving the core business credit, make an inventory of business inventories, accounts receivable with a live" and three ways to resolve the SMEs' credit is weak, the lack of working capital, accounts receivable slow recovery money, loan guarantees is difficult, "the four financing obstacles, thus helping to solve the financing difficulties of SMEs. Meanwhile, the bank funds from a simple provider into a comprehensive understanding of business, providing a full range of financial services partners, banks can use their information advantage and risk control measures to help companies improve their business and the consolidation of the supply chain building, reducing Meanwhile business risk, reducing the bank credit risk, and thus further consolidate cooperation between banks and enterprises.
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