摘要
供应链金融在实际发展过程中受到多方面的制约,商业银行需要从战略上进行业务整合,完善供应链金融业务经营策略;不断改进大数据的分析应用,提高与实际业务的黏合度;改进授信评估体系,由以单体企业为主向整体供应链延展;优化企业信贷业务准入流程,严把客户准入关;严格贷后管理,确保信贷资金使用到位和还贷资金来源充足。
The supply chain finance has an unique advantage, but some restraining factors slowed down its development. Commercial banks should do their best to improve their operating strategy, use Big Data more efficiently; improve credit procedure to choose partners more accurately from a single firm to the how supply chain; optimize the loan-entrance procedures to choose firmly customers and complete the credit management after offering loans in order to ensure that the loans have been used correctly, and the borrowers having enough money to repay the banks＇ debts.
出处
《北京经济管理职业学院学报》
2016年第4期32-35,52,共5页
Journal of Beijing Institute of Economics And Management
关键词
供应链融资
商业银行
企业
supply chain finance
commercial banks
loan enterprises
