自邮储银行2007年成立以来,一直面临着复杂多变的市场环境。从目前的趋势来

看,大客户、尤其是优质高端客户的金融脱媒化已经非常明显。中小企业目标市场已经

成为各家银行的必争之地。对邮储银行来说,激烈的市场竞争逼迫着自身的战略转型,

这既是机遇,更是挑战。想在目前的市场格局中生存发展,供应链金融业务就是邮储银

行必须发展的针对性业务。理论上说,供应链金融业务可以解决中小企业融资难的问题;

但现实中,由于种种原因,该业务在我国的发展并未达到预期设想的水平。因此,如何

科学的发展供应链金融业务成为了当前我国金融业普遍关心和重点讨论的问题。

首先,本文阐述了供应链金融的相关理论,简述了它的发展过程,并介绍了相关的

业务种类;其次,本文用SWOT分析法结合邮储银行自身特点,详细分析了邮储银行

发展该业务的优劣势、以及面临的机遇和挑战;再次,具体介绍了邮储银行目前发展该

业务的现状以及面临的问题;然后,本文用了 AHP分析法进行了供应链金融业务的风

险评估,力争科学合理的筛选客户;最后提出了邮储银行进一步发展该业务的改进建议

和发展策略。

关键词:邮储银行;供应链金融;SWOT分析;风险评估;发展;策略

ABSTRACT

Postal saving bank of China has been confronting intricate and unstable market

environment since its establishment in 2007. Judged from the present situation, it is obvious

that the key customers, especially those excellent high-end clients tend to choose financial

disintermediation. At present, the small medium enterprise had become an indispensable

market to each bank. The postal saving bank was forced to transformed strategically by the

intense marketing competition, it would both be an challenging and an opportunity. To be

survived and developed in the current marketing pattern, the postal saving bank has to carry

out targeted business, such as the supply chain finance business. In theory, the supply chain

finance business can be used to resolve the financing difficulties of SME,nevertheless, that

business has not been well developed as expected in our country. Therefore, it has become a

critical issue on how to develop the supply chain finance business scientifically in the

financial industry in our country.

Firstly, the related theories about supply chain financing were elaborated in this article as

well as its development and business types associated; secondly, in combination with features

of the postal saving bank itself, the advantages and disadvantages of implementing that

business by the postal saving bank were analyzed the SWOT analysis method, as well as

opportunities and challenges it faced; thirdly, the current situation and problems confronted by

the postal saving bank in developing the supply chain financing was introduced in detail;

fourthly, the risks of carrying out the business were evaluated by AHP method to screen

potential clients scientifically; lastly, some suggestions and strategies on how to further

develop the supply chain financing by postal saving bank were given.

KEY WORDS: postal saving bank; supply chain financing; SWOT analysis;

risk evaluation; development; strategy