摘要
供应链金融是商业银行基于真实贸易背景以及对核心企业真正实力的掌握,
以核心企业为切入点,对供应链内部结构进行分析,将核心企业和供应链的上
下游企业联系在一起,给供应链的不同节点提供灵活运用金融产品以及其他结
算等服务的一种综合金融服务。它一方面能够优化商业银行业务结构,改善商
业银行盈利模式,提升商业银行竞争力;另一方面能够解决中小企业融资困难
的窘境,顺畅企业的资金流,增强供应链整体的竞争力。晋江市作为“民办经
济”的典型代表,在纺织服装、制鞋业、食品等多个领域呈现出集群化、市场
化、品牌化、资本化的显著特点,形成了在全国颇具影晌力的产业集群,为晋
江地区商业银行发展供应链金融提供必要的市场环境,而供应链金融的发展亦
反过来促进晋江产业集群的发展壮大。因此,在晋江地区发展供应链金融具有
重要的意义
本文运用理论和实践相结合的方法以及比较分析的方法,结合数据分析和
案例分析,针对中国银行晋江支行发展供应链金融的探索和实践展开专题性的
研究。全文共分为五个章节,其中第一章“供应链金融概述”,介绍供应链金融
与传统贸易融资的区别以及发展供应链金融对商业银行和企业的重要意义,比
较分析我国现有供应链金融产品,从而指出当前商业银行发展供应链金融的机
遇和挑战;第二章“中国银行晋江支行供应链金融产品服务对象分析”,介绍晋
江产业集群的特点,指出晋江经济环境下发展供应链金融的有利条件,阐释晋
江中行如何进行目标市场的选择;第三章“‘销易达’金融产品设计及演变”,
以“销易达”产品为例,从设计理念、可行性论证、业务流程和风险管控等多
方面详细介绍了晋江中行特色供应链金融产品的研发过程,并介绍了产品不断
发展完善的过程及其重要意义;第四章“‘销易达’产品的营销及效益分析”,
对“销易达”产品的运用和推广进行经验总结,并分析供应链金融对晋江中行
效益带动作用;第五章“中国银行晋江支行供应链金融发展建议”,反思晋江中
行供应链金融存在的不足,提出完善建议
关键词:供应链金融;产业集群;中国银行晋江支行
ABSTRACT
Based on a real trading background and a detailed understanding of the core
enterprise, the supply chain financing is a comprehensive financing service offered
by commercial banks,which contains the analysis of the interior structure of the
supply chain, the connection of core enterprises and the relevant upstream and
downstream firms,and the application of various flexible financial products in
different links of the supply chain. The so-called supply chain financing can
optimize the business structure of commercial bank, improve its profit model and
finally enhance its competitiveness. On the other hand, the supply chain financing
can help medium-sized and small enterprises resolve the difficulty in bank-loaning,
mobilize the capital flow,and strengthen the comprehensive competitiveness of the
supply chain. As the typical representative of private economy, Jinjiang has
developed its own features in businesses such as textile and clothing industry,
shoemaking industry and food industry. The above-mentioned features include
industry-clustering, marketizing, branding and capitalizing, which has offered a
necessary marketing environment for Jinjiang's commercial banks to develop supply
chain financing, which in turn helps the development of industryrclustering in
Jinjiang. Therefore, developing the supply chain financing in Jinjiang has its
significance.
This thesis adopts the following two ways to initiate the study and practice of
developing supply chains financing in Bank of China, Jinjiang branch: the
combination of theory and practice study, and the combination of data and case study.
The overall thesis can be divided into five chapters. The 1st chapter is Introduction
of Supply Chain Financing, which introduces the distinctions between supply chain
financing and traditional trade financing and the significance in developing supply
chain financing for commercial banks and enterprises, compare the current supply
chain financing products in our country, and finally expounds the chance and
challenge for the commercial banks. The 2nd chapter is The Analysis of Supply
Chain Financing Product's Serving Object in Bank of China, Jinjiang Branch,
which introduces the industry-clustering feature s in Jinjiang, points out the
advantages of developing supply chain financing in Jinjiang's current economical
environment, and expounds how to choose the target market for Bank of China,
Jinjiang branch. The 3rd chapter is The Designation and Evolution of XIAOYIDA
Financing Product, which,from the prospects of design philosophy, feasibility
demonstration, business process and risk control, illustrates the R&D process of the
special supply chain financing product in Bank of China, Jinjiang
it-
branch—XIAOYIDA, and introduces its continuous perfecting process. The 4
chapter is 6'the Marketing and Efficiency Analysis of XIAOYIDA Product, which
summarize its application and promotion experience, and analyze the product's
th
benefits for the bank. The 5 chapter is Recommendations for Bank of China
Jinjiang Branch in Supply Chain Financing Development,,,which self-exams the
supply chain financing's deficiency in Bank of China Jinjiang branch and proposes
suggestions for perfecting.
Keywords: Supply Chain Financing, Industry-clustering, Bank of China
Jinjiang Branch