摘要
供应链金融是围绕核心企业上下游真实贸易背景,向核心企业上下游中小企业提供的一种短期融资服务。对于商业银行而言,供应链金融本质上是贸易金融的延伸和深化,是基于应收账款、预付账款以及货权控制等要素进行的贸易性融资。当前,信息不对称、企业自身供应链管理体系欠缺以及商业银行现行管理体制落后等因素导致商业银行供应链金融发展受阻。应当从商业银行管理体制变革、经营思维模式转变及银企合作模式转型三个方面进行努力,切实提升商业银行供应链金融发展层次。
Supply C hain Fi nance i s a sho rt-term f inancing se rvice pro vided t o SM Es i n t he upst ream and downs tream of core enterpris es around the real trade background of the ups tream and downs tream of core enterprises.For commercial banks,supply chain finance is esse ntially the extension and deepening of trade finance,w hich i s ba sed o n a ccounts re ceivable,pre paid a ccounts a nd c ontrol o f g oods ri ghts.At pre sent,information asymmetry,the lack of supply chain management syst em of enterprises themselves and the backward management s ystem of com mercial banks have hindered the developm ent of s upply chain finance of com mercial banks.We sho uld ma ke e fforts f rom t hree a spects:t he re form o f t he ma nagement sy stem o f c ommercial ba nks,the transformation of bus iness thinking m ode and the trans formation of the cooperation m ode between banks and enterprises,so as to effectively improve the level of developm ent of the supply chain finance of commercial banks.
出处
《浙江金融》
2019年第5期23-28,共6页
Zhejiang Finance
基金
2018年国家社会科学基金项目"基于技术进步
有效投资和脱贫工程的经济增长潜力研究"(16BJL031)阶段性成果
关键词
商业银行
供应链金融
风险
管理体制
Commercial Bank
Supply Chain Finance
Risk
Management System
