摘要
近年来,供应链金融发展势头迅猛,已逐步成为中小商业银行紧密服务实体经济、解决中小企业融资问题的重要抓手。但是,获客难、产品与服务难以匹配需求、科技投入不足、生态构建能力弱以及风险管理体系落后等因素导致中小银行供应链金融发展受限。为尽快解决痛点,破解发展难题,中小银行要坚持向先进银行学习,从战略布局、行业研究、风险管理、金融科技等方面发力,积极探索特色化供应链金融发展道路。
In recent years,supply chain finance has developed rapidly and has gradually become an important starting point for small and medium commercial banks to closely serve the real economy and solve the financing problems of small and medium enterprises.However,it is diffi cult to obtain customers,the products and services are difficult to match the demand,the lack of scientific and technological investment,the weak ability of ecological construction and the backward risk management system lead to the limited development of supply chain fi nance of small and medium banks.In order to solve the pain points and development problems as soon as possible,small and medium banks should adhere to learning from advanced banks,and actively explore the development path of characteristic supply chain finance from the aspects of strategic layout,industry research,risk management,financial technology,etc.
作者
褚旋
汤敏
CHU Xuan;TANG Min
出处
《吉林金融研究》
2020年第11期39-44,共6页
Journal of Jilin Financial Research
关键词
中小银行
供应链金融
实践
small and medium banks
supply chain finance
practice
