摘要
I
摘要
当前，在国内外履行《巴塞尔协议Ⅲ》的要求，以及国内监管对银欧亿·体育（中国）有限公司的监
督管理、资本约束力度一再提高的背景下，银欧亿·体育（中国）有限公司通过合法途径所进行的金融创
新越发重要，未来改革的大方向主要集中在增加尽量少利用甚至不利用资本的中
间业务在银行盈利中的比例。根据资本协议对不同风险权重的规定，贸易融资项
目的权重仅占传统信贷业务的 20%，其本身所具有的低资本消耗的特性，也确实
缓解了银行内源资本的问题，有利于缓解商业银行资本补充的压力，势必会成为
未来银行的发展重点

良好的供应链融资模型，可以为供应链上下游的中小企业融资提供良好的解
决方案。目前，中小企业在我国经济发展中起着重要的作用，但由于国内金融支
持体系的不健全，广大中小企业普遍存在融资难、贷款难的问题，供应链融资模
型有效地解决了这一类问题，并从一定程度上实现风险的有效规避，达到银行与
企业的双赢

本文从供应链融资管理的基本理论知识出发，介绍了供应链融资、供应链融
资相关产品。并以 PA 银行（原 S 银行）供应链融资管理为例，分析供应链融资的
发展及风险，并最终着眼于供应链融资风险管理。结合供应链融资风险管控的相
关知识，探索股份制商业银行在目前外部经济形势复杂的前提下，如何更好的通
过供应链融资化解风险，并为管理者提供建议，通过银行发展转型和创新性产品，
在有效规避风险的同时，促使银行整体健康快速发展

全文第一章阐述了研究的背景和意义；第二章具体介绍了供应链融资相关概
念、供应链融资产品；第三章介绍了 PA 银行供应链融资发展状况；第四章在供应
链融资风险评价的基础上，借助典型案例，从供应链融资的三种业务模式出发，
分析不同业务模式所面临的风险，并在此基础上，将 PA 银行供应链融资与传统融
资方式进行 SWOT 分析；最后，从商业银行供应链融资全面风险管理的角度提出
了具体的措施和建议

关键词：PA 银行；供应链融资模式；供应链融资风险；中小企业ABSTRACT
II
ABSTRACT
Against the background of implementation of The Basel III Accord and the
strengthening of supervision and capital constrains by Chinese regulatory authorities on
the banking industry, financial innovation through legal channels becomes increasingly
crucial for banks and the reforming orientation should concentrate on raising profit
proportion of the intermediate business using less or no capital.
According to the relevant provisions of the Basel Accord, trade finance projects
only take 20% of the general credit business, due to its low capital-consuming feature. It
surly alleviates the difficulty of endogenous capital and relives the pressures of
replenishing capital for commercial banks. Hence, Supply chain financing is bound to
become the emphasis of development for banks in the future.
A good supply chain financing model could provide a good solution for small and
medium-sized enterprises financing in the upstream and downstream supply chain. At
present, small and medium-sized enterprise play important roles in Chinese economic
development. However, due to the defection of domestic financial support system, the
majority of small and medium-sized enterprises have difficulties in financing. To solve
this problem effectively, this paper built the supply chain financing model. It is also
valid to risk aversion to a certain extent, achieving a win-win situation for bank and
companies.
Supply chain financial products are introduced with the basic theory of relevant
financing management. This paper analyzes the supply chain financing management of
PA Bank (original S Bank) and focuses on the risk management of supply-chain
financing. Integrated with knowledge of risk control, this thesis has explored that how
joint-stock commercial banks could reduce rick with supply-chain financing in the
complicated economic condition, and has provided suggestion to managers that banks
could rapidly develop and effectively avoid risk through transformation and innovative
products.
The background and meaning of this research are elaborated in the first chapter and
the second one explains theory and products of supply chain financing. Then it
introduces development of PA Bank and its supply chain financing. The forth chapter
analyses the risk in three different business pattern in supply chain financing on theABSTRACT
III
basis of the risk evaluation and typical cases, and also implements SWOT analysis
between PA Bank supply-chain financing and traditional financing. Finally, measures
and suggestions for supply chain financing risk management if commercial banks are
presented.
Keywords: PA Bank; supply chain financing mode; supply chain financing risk; small
and medium-sized enterprises目 录
IV
目 录
第一章 导论........ 1
1.1 研究背景 1
1.2 研究目的及意义 1
1.2.1 研究目的1
1.2.2 研究意义1
1.3 国内外研究动态 1
1.4 研究思路及研究方法.... 2
1.4.1 研究思路2
1.4.2 研究方法3
1.4.3 本文可能创新之处 ........ 3
第二章 供应链金融相关理论.... 4
2.1 供应链的涵义.... 4
2.2 供应链金融的涵义........ 4
2.3 商业银行开展供应链融资的主要组织方式 .... 5
2.3.1 条线事业部 ........ 5
2.3.2 总分支结构下集约化操作模式5
2.4 供应链融资产品介绍.... 6
2.4.1 应收账款类供应链融资模式 .... 6
2.4.2 预付类供应链融资模式7
2.4.3 存货类供应链融资模式 .......... 10
2.5 本章小结...........11
第三章 PA 银行供应链金融发展状况分析..... 12
3.1 PA 银行介绍..... 12
3.2 PA 银行供应链金融发展介绍. 12
3.3 “S 银行”兼并为“PA 银行”前后的经营状况变化 14
3.4 “S 发展”兼并为“PA 银行”前后的组织管理变化 18
3.4.1 供应链金融管理组织结构变化 .......... 18
3.4.2 人事变化 .......... 20
3.4.3 企业文化的变化 .........
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