中国银行中小企业供应链金融业务的策略研究
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摘要
中国银行作为我国四大国有商业银行之一,为促进我国经济发展、维护金融稳定和企业可持续发展做出了巨大的贡献。目前我国所处的经济形势依然十分严峻,2011年国家经济环境呈现出了一定的滞涨的特点,即经济发展缓慢与通货膨胀同时存在,中国人民银行为了缓解通货膨胀压力与2011年先后6次上调存款准备金率、3次上调存贷款基准利率,银根的缩紧大大提高了企业的融资成本,而对于那些规模较小、利润率较低的中小企业来说,融资更是难下加难。银行作为为经济提供资金支持的核心部分,如何依靠国家政策为中小企业提供信贷方面的支持成为了新时期下我国银行业面临的新问题、新挑战,中国银行作为四大国有商业银行之一更是要认清当前的发展形势、确定发展方向,结合自身的实际情况做出最优的发展策略,为今后的发展做好准备。
本文运用理论分析和实例研究、比较研究、归纳与演绎相结合的方法,从中小企业的内外部环境以及中国银行自身情况两个方面进行系统性的分析。分别运用迈克尔波特五种力量模型与SWOT模型等相关理论具体地分析中小企业所处的外部环境以及中国银行在新形势下的优势、劣势、机会与威胁,明确提出中小企业融资难是企业自身发展与社会总体利益矛盾的集中化体现。本文通过对中国银行自身情况的分析,找出其发展过程中的优势与劣势,结合其所处的自身环境以及新形势下国家发展要求,提出一套适合其今后发展的方案。本文的研究目的,就是从供应链融资业务的特点出发,结合中小企业在中国发展的内外部环境分析,试图找到该业务发展在中小企业发展中的战略思路、解决方案。
As one of China's four state-owned commercial banks, Bank of China has made tremendous contributions to China's economic development, financial stability and corporate sustainable development. Since the economic situation of our country is still very severe, the national economic environment of2011has showed some characteristics of stagflation, which means slow economic growth and inflation exist at the same time. In2011, tightening the money supply greatly increased the financing costs for those enterprises of smaller, lower profit margins. Bank as a core part to provide financial support for economic, how to rely on national policy to provide credit support for Sees has become the new problems and new challenges which China's banking industry is facing. Bank of China has to recognize the current situation, determine the direction of development, combined with the actual situation of their own to make the best development strategy, and prepare for future development.
In this paper, theoretical analysis and case studies, comparative study of inductive and deductive method of combining two aspects from the internal and external situation of Sees and Bank of China are used to carry out systematic analysis. Theories of Michael Porter five forces model and SWOT model are used for specific analysis of advantages, weaknesses, opportunities and threat of Sees and the Bank of China in the new situation. Through the analysis of the situation of the Bank of China, we identify the strengths and weaknesses of their development process, Combined with which their own situation, as well as national development requirements under the new situation, we propose a suitable solution for its future development. The purpose of this study is to proceed from the characteristics of supply chain financing business, combined with internal and external environment analysis of the development of Sees in China, trying to find the business development of strategic thinking and solutions in the development of Sees.
本文运用理论分析和实例研究、比较研究、归纳与演绎相结合的方法,从中小企业的内外部环境以及中国银行自身情况两个方面进行系统性的分析。分别运用迈克尔波特五种力量模型与SWOT模型等相关理论具体地分析中小企业所处的外部环境以及中国银行在新形势下的优势、劣势、机会与威胁,明确提出中小企业融资难是企业自身发展与社会总体利益矛盾的集中化体现。本文通过对中国银行自身情况的分析,找出其发展过程中的优势与劣势,结合其所处的自身环境以及新形势下国家发展要求,提出一套适合其今后发展的方案。本文的研究目的,就是从供应链融资业务的特点出发,结合中小企业在中国发展的内外部环境分析,试图找到该业务发展在中小企业发展中的战略思路、解决方案。
As one of China's four state-owned commercial banks, Bank of China has made tremendous contributions to China's economic development, financial stability and corporate sustainable development. Since the economic situation of our country is still very severe, the national economic environment of2011has showed some characteristics of stagflation, which means slow economic growth and inflation exist at the same time. In2011, tightening the money supply greatly increased the financing costs for those enterprises of smaller, lower profit margins. Bank as a core part to provide financial support for economic, how to rely on national policy to provide credit support for Sees has become the new problems and new challenges which China's banking industry is facing. Bank of China has to recognize the current situation, determine the direction of development, combined with the actual situation of their own to make the best development strategy, and prepare for future development.
In this paper, theoretical analysis and case studies, comparative study of inductive and deductive method of combining two aspects from the internal and external situation of Sees and Bank of China are used to carry out systematic analysis. Theories of Michael Porter five forces model and SWOT model are used for specific analysis of advantages, weaknesses, opportunities and threat of Sees and the Bank of China in the new situation. Through the analysis of the situation of the Bank of China, we identify the strengths and weaknesses of their development process, Combined with which their own situation, as well as national development requirements under the new situation, we propose a suitable solution for its future development. The purpose of this study is to proceed from the characteristics of supply chain financing business, combined with internal and external environment analysis of the development of Sees in China, trying to find the business development of strategic thinking and solutions in the development of Sees.
引文
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[7]Erik. Hofmann.2005.Supply Chain Finance.-Some Conceptual Insights Logistik Management-Innovative Logistikkonzepte[EB/OL]
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[9]Martin R.Fellenz, Cara Augustenborg, Mairead BradyBrady.2009.Requirements for an Evolving Model of Supply Chain Finance:A Technology and Service Providers Perspective [J]. Communications of the IB IMA Volume 10
[10]Sushil Gupta, Kaushik Dutta.2010.Modeling of Financial Supply Chain[J].S0377-2217, (10)
[11]邹武平,基于供应链金融的中小企业融资探讨,商业会计,2009(17)
[12]高丽君、翁蔚览、张越.发展供应链金融业务为中小企业服务.现代金融,2010(12)
[13]章文燕、刘汝德.供应链金融业务发展策略.经济导刊,2010(3)
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[15]蔡小哩、丁志刚.商业银行供应链金融业务风险评估.物流科技,2011(5)
[16]薛丽丽SWOT分析法在人力资源规划中的应用.合作经济与科技,2008(4).
[17]哈罗德·孔茨著.马春光译.管理学全球化与创业视角.经济科学出版社,2008年第十二版
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[19]季红益.企业文化与企业核心竞争力.商场现代化,2009(15)
[20]杨芳.中小企业融资难的原因分析.科教文汇,2007
[21]黄潇雨.企业发展制约因素及对策研究.内蒙古科技与经济,2010(10)
[22]常洋洋、蔺娇龙.浅析当前中小企业融资之路.当代经济,2011(11)
[23]吴岩.中小企业融资存在的问题及对策研究.经济师,2006(8)
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[28]“供应链金融：课题组著.供应链金融：新经济下的新金融.上海远东出版社
[29]涂雨辰.产业链金融工程在中小企业融资中的应用.郑州航空工业管理学报,2011(12)
[30]温金祥.剑指“供应链金融”.首席财务官,2011(2)
[31]陈富强等.探讨商业银行供应链金融风险管理.现代商业,20110(36)
[32]林瑞欣.基于供应链金融的物流银行运作模式研究.长春理工大学,2010
[33]曹俊.供应链金融信用风险管理.大连海事大学,2011
[34]许玮玮、谢墩游.供应链金融的风险研究.经济研究导刊,2010(16)
[35]冯静生.供应链金融：优势与风险.上海市经济管理干部学院学报,2009(2)
[36]邹敏.供应链金融融资模式的风险分析与防范.物流工程与管理,2010(6)
[37]蒋伏心等.交易成本、非正规金融与中小企业融资.世界经济与政治论坛,2009(2)
[38]林勋亮.对第三方物流企业开展物流金融服务的思考.广东商学院学报,2005(6)
[39]李媛等.仓单质押贷款风险管理研究.中国储运,2006(2)
[40]曾文琦.商业银行仓单质押贷款研究.厦门大学,2006
[41]于宏新.供应链金融的风险及防范策略.经济研究导刊,2010(20)
[42]于立,王洵.当代西方产业组织学.东北财经大学出版社,2006年第四版
[43]哈罗德·孔茨著.马春光译.管理学全球化与创业视角.经济科学出版社,2008年第十二版
[44]杜婕.我国存款准备金政策有效性分析.山西财经大学,2011
[45]马骥等.黑龙江省中小企业融资的一种新思路.哈尔滨商业大学学报：社会科学版,2006(6)
[46]http://www.edai.net/yhzx/71145.html
[47]http://wiki.hexun.com/view/4393.html
[48]邱军辉.存款准备金制度的发展比较及其在我国运用的有效性分析.中南大学,2009
[49]谭润石.打开“贸易融资”之门——深圳发展银行供应链金融创新速写.中国金融家,2008(9)
[50]徐励.中国银行股份有限公司私人银行业务发展研究.山东大学,2011
[51]郭炎兴.走好国际化之路——中国银行改革开放30年纪实.中国金融家,2008(11)
[52]郑秀峰.引入战略投资者对国有商业银行经营绩效的影响.浙江工商大学,2008
[53]王胜刚.新形势下的国有商业银行营销机遇与对策.华中科技大学,2009
[54]赵晓红.文本类型理论与中国企业简介的翻译.哈尔滨工程大学,2009
[55]http://baike.baidu.com/view/9609.htm
[56]Stephen P.Robbins,Mary Coulter,孙健敏等译.管理学.北京：中国人民大学出版社,2008
[57]Stephen P.Robbins Mary Coulter.管理学(第9版).中国人民大学出版社
[58]中国银行2011年半年报
[59]张雅光.中国银行人力资源管理制度改革路径解析Chinese Talents,2009(10)
[60]邢振明.我国十四家上市商业银行竞争力分析.西北大学,2009
[61]周好文等.从资产组合理论视角审视我国商业银行非利息收入的波动性.经济经纬,2008(4)
[62]李铁斌.东北老工业基地承接东南沿海地区劳动密集型制造业扩散研究.东北师范大学,2008
[2]http://book.douban.com/subject/3398336/
[3]http://wenku.baidu.com/view/c8afcd33f111f18583d05a 1 e.html
[4]刘莎.在中国发展供应链金融的探索.经济师,2009(3)
[5]韩红波.基于经济发展方式转变的核心技术链与核心产业链之间的互促.湖北社会科学,2009(3)
[6]Gerard P. Cachon, Paul H. Zipkin.1999.Competitive and Cooperative Inventory Policies in a Two-Stage Supply Chain[J]. Management Science/Vol.45, No.7, July.
[7]Erik. Hofmann.2005.Supply Chain Finance.-Some Conceptual Insights Logistik Management-Innovative Logistikkonzepte[EB/OL]
[8]Viktoriya Sadlovska.Financing the Supply Chain:Are Companies Feeling the "Credit Crunch", [EB/OL]
[9]Martin R.Fellenz, Cara Augustenborg, Mairead BradyBrady.2009.Requirements for an Evolving Model of Supply Chain Finance:A Technology and Service Providers Perspective [J]. Communications of the IB IMA Volume 10
[10]Sushil Gupta, Kaushik Dutta.2010.Modeling of Financial Supply Chain[J].S0377-2217, (10)
[11]邹武平,基于供应链金融的中小企业融资探讨,商业会计,2009(17)
[12]高丽君、翁蔚览、张越.发展供应链金融业务为中小企业服务.现代金融,2010(12)
[13]章文燕、刘汝德.供应链金融业务发展策略.经济导刊,2010(3)
[14]弯红地.供应链金融的风险模型分析研究.经济问题,2008(11)
[15]蔡小哩、丁志刚.商业银行供应链金融业务风险评估.物流科技,2011(5)
[16]薛丽丽SWOT分析法在人力资源规划中的应用.合作经济与科技,2008(4).
[17]哈罗德·孔茨著.马春光译.管理学全球化与创业视角.经济科学出版社,2008年第十二版
[18]张新华等.识别、构建和保持企业核心竞争力.复旦学报：社会科学版,2002(5).
[19]季红益.企业文化与企业核心竞争力.商场现代化,2009(15)
[20]杨芳.中小企业融资难的原因分析.科教文汇,2007
[21]黄潇雨.企业发展制约因素及对策研究.内蒙古科技与经济,2010(10)
[22]常洋洋、蔺娇龙.浅析当前中小企业融资之路.当代经济,2011(11)
[23]吴岩.中小企业融资存在的问题及对策研究.经济师,2006(8)
[24]蔡东阳.中小企业融资机制的研究.广西经贸.2001(6)
[25]张大伟.浅析我国中小企业融资困境的出路.商业现代化,2010(7)
[26]http://baike.baidu.com/view/1318032.html
[27]高丽君等.发展供应链金融业务为中小企业服务.现代金融,2010(12)
[28]“供应链金融：课题组著.供应链金融：新经济下的新金融.上海远东出版社
[29]涂雨辰.产业链金融工程在中小企业融资中的应用.郑州航空工业管理学报,2011(12)
[30]温金祥.剑指“供应链金融”.首席财务官,2011(2)
[31]陈富强等.探讨商业银行供应链金融风险管理.现代商业,20110(36)
[32]林瑞欣.基于供应链金融的物流银行运作模式研究.长春理工大学,2010
[33]曹俊.供应链金融信用风险管理.大连海事大学,2011
[34]许玮玮、谢墩游.供应链金融的风险研究.经济研究导刊,2010(16)
[35]冯静生.供应链金融：优势与风险.上海市经济管理干部学院学报,2009(2)
[36]邹敏.供应链金融融资模式的风险分析与防范.物流工程与管理,2010(6)
[37]蒋伏心等.交易成本、非正规金融与中小企业融资.世界经济与政治论坛,2009(2)
[38]林勋亮.对第三方物流企业开展物流金融服务的思考.广东商学院学报,2005(6)
[39]李媛等.仓单质押贷款风险管理研究.中国储运,2006(2)
[40]曾文琦.商业银行仓单质押贷款研究.厦门大学,2006
[41]于宏新.供应链金融的风险及防范策略.经济研究导刊,2010(20)
[42]于立,王洵.当代西方产业组织学.东北财经大学出版社,2006年第四版
[43]哈罗德·孔茨著.马春光译.管理学全球化与创业视角.经济科学出版社,2008年第十二版
[44]杜婕.我国存款准备金政策有效性分析.山西财经大学,2011
[45]马骥等.黑龙江省中小企业融资的一种新思路.哈尔滨商业大学学报：社会科学版,2006(6)
[46]http://www.edai.net/yhzx/71145.html
[47]http://wiki.hexun.com/view/4393.html
[48]邱军辉.存款准备金制度的发展比较及其在我国运用的有效性分析.中南大学,2009
[49]谭润石.打开“贸易融资”之门——深圳发展银行供应链金融创新速写.中国金融家,2008(9)
[50]徐励.中国银行股份有限公司私人银行业务发展研究.山东大学,2011
[51]郭炎兴.走好国际化之路——中国银行改革开放30年纪实.中国金融家,2008(11)
[52]郑秀峰.引入战略投资者对国有商业银行经营绩效的影响.浙江工商大学,2008
[53]王胜刚.新形势下的国有商业银行营销机遇与对策.华中科技大学,2009
[54]赵晓红.文本类型理论与中国企业简介的翻译.哈尔滨工程大学,2009
[55]http://baike.baidu.com/view/9609.htm
[56]Stephen P.Robbins,Mary Coulter,孙健敏等译.管理学.北京：中国人民大学出版社,2008
[57]Stephen P.Robbins Mary Coulter.管理学(第9版).中国人民大学出版社
[58]中国银行2011年半年报
[59]张雅光.中国银行人力资源管理制度改革路径解析Chinese Talents,2009(10)
[60]邢振明.我国十四家上市商业银行竞争力分析.西北大学,2009
[61]周好文等.从资产组合理论视角审视我国商业银行非利息收入的波动性.经济经纬,2008(4)
[62]李铁斌.东北老工业基地承接东南沿海地区劳动密集型制造业扩散研究.东北师范大学,2008