中文摘要
PSY 银行实施供应链金融业务研究
近年来,供应链金融业务越来越受到商业银行的欢迎,已成为银行最重要的
新增利润点之一。本文开始首先阐述了供应链金融产生的背景及研究意义,还研
究了供应链金融的国内外发展现状,接下来又分析了其相关理论基础。在此基础
上,本文重点介绍了供应链金融业务的三种主要融资模式,包括各种模式的业务
流程、适用对象等内容,有针对性的解决了处于不同节点的中小企业融资困难的
局面。此外,本文还着重分析了开展供应链金融业务比较早的几家商业银行在该
领域的发展现状,并重点就 PSY 银行业务发展作了 SWOT 分析,以帮助其制定
出现阶段开展供应链金融业务最合适的战略。随着供应链金融业务的广泛开展,
PSY 银行传统的信用风险评价方式已经跟不上供应链金融发展的脚步。因此,本
文在查阅了大量文献资料的基础上,着手构建了供应链金融信用风险评价体系,
并且运用层次分析法确定了各项新指标的权重,进行了层次总排序,旨在帮助
PSY 银行在进行供应链金融信用风险评价时作出科学的决策。最后,本文又研究
了 PSY 银行供应链金融业务的发展趋势,并对此提出了合理的对策建议。

关键词:商业银行 供应链金融 融资模式 信用风险
Abstract
A study on supply chain finance business of PSY commercial bank
In recent years, supply chain finance has become more and more popular to the
commercial bank. And to the bank, it has become one of the most important new
profit point. First, the article explains the background and the research meaning of
supply chain finance. It also studied the development present situation of supply chain
finance at home and abroad. Then it analyzed the related theoretical basis. On this
basis, the article mainly introduced the three main financing model of supply chain
finance, including business process and applicable objects of various models. It has
targeted solved the different nodes of the small and medium-sized enterprise’s
financing difficult situation. In addition, the article also analyzed several commercial
banks’ development present situation of supply chain finance, which carried out the
business earlier. And mainly made a SWOT analysis on P bank’s business
development in order to help the bank making the most suitable decision for supply
chain finance in present stage. AS the widely development of supply chain finance, P
bank’s traditional evaluation of credit risk couldn&39;t keep up with the steps of supply
chain finance development. On the basis of consulting a large number of data, the
article built the credit risk evaluation system of supply chain finance. Furthermore, it
used the analytic hierarchy process to determine the weight of the new index and
received the total order of the level, aimed to help P bank to make scientific decision
when carry out credit risk evaluation of supply chain finance. Finally, the article
studied the development trend of supply chain finance and put forward the reasonable
suggestions of it.
第一章 绪论
1.1 研究背景
1.1.1 产业供应链的兴起
社会化大生产的加速发展改变了社会的生产方式,过去集中式的生产方式
逐渐改变,产品分工逐渐被抛弃,并过渡为更受到企业欢迎的产品内分工,使
得跨区域生产链条产生。全球一体化显著地改变了企业性质,最近几十年企业
逐渐从全性能发展走向专职特定的生产智能,即从内部产—供—销一体化模式,
分化为进行原料供应的供应商,专职生产的制造商,销售环节的分销商,第三
方物流企业在最近几年也得到了长足发展,这些企业互相联系,供应链的定义
由此而来。以上所有变化可归纳为全球经济竞争模式的改变,由企业竞争到供
应链竞争的过渡,而竞争的关键也由企业管理过渡为供应链管理,即实现供应
链各节点利益的一致性,使供应链系统不失适应性和反应力不失敏捷性的状态
下达到成本最小化、效益最优化和服务水平最高,创造可持续的竞争优势变得
尤为重要[1]。

供应链管理的概念源于 20 世纪末学者和企业家们对 20 世纪 80 年代出现
的全球性业务外包行为成本问题的解决,当时这一行为的出现是世界巨头企业
迫于成本最小化要求而采取的,但事实上在此过程中供应链融资成本问题变得
更为严重,“木桶短板”效应由于供应链节点资金瓶颈超过了“成本洼地”[2]带
来的效益。人们在解决这一问题的过程中追求供应链整个系统的最优,又不能
放弃一定的客户水平以防产生新的问题,如何从物流和信息流层面扩展为各节
点企业的物流、资金流和信息流更好地整合和衔接成,为供应链管理的必要要
求,也带动了财务供应链管理的价值发现。

供应链金融以降低供应链整体成本、提高整个系统融合度和效益水平为目