EMBA学位论文
作者：彭治洲
H金融商票融资方案优化研究
H金融商票融资方案优化研究
中文摘要
社会信息化水平的提高使供应链中物流、商流、信息流面临的问题得到了解
决，而资金流问题逐渐成为供应链上中小微企业面临的重要问题。在现代供应链
中，赊销已经成为最广泛的销售行为，大量的赊销导致供应链上中小微企业的现
金流承受了前所未有的压力。此类中小微企业往往内部管理不够完善、财务信息
不规范、抵质押物也比较有限，商业银行的传统信贷业务很难对其资金需求进行
全面有效覆盖。在众多政策的支持和金融机构的积极推动下，商票融资业务近年
来得到了快速的发展，其为中小微企业依托于核心企业信用解决自身融资难问题
提供了重要的解决方案。H金融开展了多种方案的商票融资业务，随着近年来商票
融资业务的快速发展，H金融的该类业务在市场竞争中逐渐表现出了一定的不足，
这就要求H金融必须着眼全局，对现有操作方案进行优化以更好满足市场的需求。
本文的主要重点是在对供应链金融及商业承兑汇票相关内涵及特点充分认知
的情况下，结合H金融现状和市场实际情况对H金融商票融资方案的相关问题进行
有针对性的优化。首先，通过文献资料法对供应链金融及商业承兑汇票的概念、
特点及相关内容进行阐述。其次，对H金融当前正在操作的几种商票融资方案进行
详细描述，同时再利用调查法、标杆法等手段对这几种方案面临的问题进行详细
分析，另外再通过访谈法、标杆法等方法找到引起相关问题的具体原因。第三，
针对上述问题，通过有针对性的设置优化方案，使相关问题得到有效优化，提升H
金融商票融资方案的综合竞争力。最后，针对各优化方案从搭建专业化团队、制
定更专业化业务流程、强化与第三方服务机构的合作及加强营销推广工作四个方
面对相关优化方案的实施提供有效保障措施。
本文通过对H金融商票融资方案的优化进行研究，希望能够为H金融该类业务
的持续良好发展提供一定的思路，同时也希望能够为其他金融机构发展该类业务
提供一定的借鉴和帮助。
关键词：H金融，商票融资，优化研究
I
EMBA学位论文
作者：彭治洲
H金融商票融资方案优化研究
STUDY ON OPTIMIZATION OF COMMERCIAL
ACCEPTANCE BILL FINANCING SCHEME OF H
FINANCE
Abstract
With the improvement of social informatization level, the problems faced by logistics,
business flow and information flow in the supply chain have been solved, while the problem
of capital flow has gradually become an important problem encountered by small, medium
and micro enterprises in the supply chain. In the modern supply chain, credit sale has
become the most widespread payment method, and a large number of credit sale behavior
leads to unprecedented pressure on the cash flow of small, medium and micro enterprises
in the supply chain. Such small, medium and micro enterprises often have imperfect
internal management, non-standard financial information and limited collateral, and it is
difficult for the traditional credit business of commercial banks to effectively cover their
capital needs. With the support of numerous policies and the active promotion of financial
institutions, commercial bill financing business has developed rapidly in recent years,
which provides an important solution for small, medium and micro enterprises to solve
their financing difficulties by relying on the core corporate credit. H Finance has carried
out a variety of solutions of business finance business, as in recent years, the rapid
development of the finance business and relevant supporting policies, H Finance that
business in the market competition also shows some deficiencies, this requires H Finance
must focus on the global, the existing operating schemes are optimized in order to better
meet the demand of the market.
The main focus of this paper is to optimize the relevant issues of commercial bill
financing scheme of H Finance based on the current situation of H Finance and the actual
market situation under the condition of fully understanding the relevant connotation and
characteristics of supply chain finance and commercial acceptance bill. Firstly, the concept,
characteristics and related contents of supply chain finance and commercial acceptance bill
are described by means of literature. Secondly, several commercial bill financing schemes
currently operated by H Finance are described in detail. Meanwhile, the problems faced by
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EMBA学位论文
作者：彭治洲
H金融商票融资方案优化研究
these schemes are analyzed in detail by means of investigation and benchmarking. In
addition, specific causes of related problems are found through interview method. Thirdly,
in view of the above problems, relevant problems can be optimized by setting targeted
optimization schemes to improve the comprehensive competitiveness of commercial bill
financing schemes of H Finance. Finally, effective guarantee measures are provided for the
implementation of relevant optimization schemes from four aspects: building professional
teams, developing more professional business processes, strengthening cooperation with
third-party service agencies and strengthening marketing promotion.
Keywords：H finance，commercial acceptance bill Financing，study on
optimization
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