摘要
供应链融资服务是商业银行基于对核心企业实力的掌握,对核心企业和上下游中小企业提供金融服务的新的融资模式,可以有效满足中小企业的融资需求,扩展商业银行资金业务。本文从商业银行供应链融资服务存在的共性问题着手,阐述开展供应链融资服务的两种主要运作模式——供应商全程融资与经销商全程融资,及其匹配的融资产品。以SQ集团为例,在供应商融资与经销商融资模式中,为其选择适合的产品,进而给出商业银行进行供应链融资服务运作过程中的对策建议。
The supply chain financing service is a new financing mode for the commercial banks to provide financial services to the core enterprises and the small and medium-sized enterprises in the upper and lower reaches, based on the grasp of the strength of the core enterprises. It can effectively meet the financing needs of small and medium-sized enterprises and expand the business of commercial banks. Starting from the common problems in the supply chain financing service of commercial banks, this paper expounds the two main operating modes of the supply chain financing service - the whole process financing of the supplier and the whole process of the distributor, and the matched financing products. Taking SQ group as an example, in the mode of supplier financing and dealer financing, we select the suitable products for them, and then give some suggestions on the operation of the commercial banks in the supply chain financing service.
作者
张蔚虹
王鑫
宋盼
ZHANG WEIHONC, WANG XIN, SONG PAN(School of Economic and Management, Xidian University, Xi ＇an 710071, Chin)
基金
陕西省创新能力支撑计划:软科学研究计划一般项目研究成果(2018KRM062):基于数字化创新的陕西省制造业转型升级路径研究
关键词
供应链融资服务
供应商融资
经销商融资
融资产品匹配
supply chain financing
supplier financing
dealer financing
financing product matching
