摘要
在大数据与移动互联技术的双重作用下,产业跨界融合与渠道合作所催生的供应链金融由线下走向线上。本文从供应链金融的基本概念出发,研究商业银行线上供应链金融的发展诉求,从市场空间、发展优势及运作模式等方面进行分析,指出线上客户不具有规模、整体盈利水平不佳、操作平台功能不足、内部系统风险暴露、研发支持力度有限等五大瓶颈,提出从客户、产品、渠道、风控、研发等方面制定线上供应链金融发展战略,寻求互联网金融时代变革发展的新方向。
Under the dual forces of large data and mobile Internet technology,supply chain finance which created by industry cross-border integration and channel cooperation from offline to online. This paper starts from the basic concept of supply chain finance,then studies the development demands of online supply chain finance,analysis of the development bottlenecks encountered,proposes alternative strategic measures and finally searches the new development direction of commercial bank in internet financial times.
出处
《金融发展研究》
北大核心
2015年第2期70-75,共6页
Journal Of Financial Development Research
关键词
商业银行
线上
供应链金融
策略
commercial banks
online
supply chain finance
strategy
