MBA教育中心知识库

  供应链金融业务在金融服务当中可有效抗击风险，减少风险带来的不良损失。在这类业务模式中，银行可从核心企业及上下游企业获取更多资金流、信息流和物流，并将这些资源进行重新整合和整理，把控可能会产生的业务风险，确保风险降低到最小程度。相较于传统的信贷模式来看，供应链金融业务能将更多真实的信息展露出来，包括贸易背景、发票、物流等，利用多重验证的方式提升信息的可靠性。银行的供应链金融业务经过这些年的发展已获得良好成效，同时也保障了企业在每个环节的资金需求。然而从目前的资金获取模式来看，仅利用企业信用推广此业务，可能造成更为严重的业务风险问题。

  本文在供应链金融方面的相关文献资料查询的基础上，结合自身工作的实践经验，引入邮储银行在近些年贷款业务、风险管理等方面的各项数据作为研究对象，其中的数据样本能清楚地展示邮储银行在供应链金融业务方面的发展现状即所涉及的业务模式。文中所选用的研究方法主要为文献研究法和案例研究法等，以更多一手数据展现邮储银行在供应链金融业务信用风险、操作风险、法律风险、市场风险的识别、评价和控制的现状。通过本文分析可知，邮储银行的供应链业务目前存在的问题有以下几点：在风险识别方面存在信息不对称、缺少信息搜集和真实性分析渠道、与传统授信风险识别混同等问题，在风险评价方面存在对供应链整体风险评价不足、风险评价指标设计不全面等问题。根据上述问题提出的改进策略为：首先，面对供应链金融业务的风险识别，需考虑多元化识别方式或手段，利用多种工具解决整体风险控制问题，并达到有效预防和管理；其次，在业务风险评价方面需建立风险评价体系，打造多维度的大数据风险测控平台，从整体产业链条的发展入手构建风险预警模型。最后，在业务风险控制层面，重视贷款业务的后期风险监控及管理，借助大数据应用实现对业务风险的实时监控、预警及处理。

  通过对邮储银行在供应链金融业务风险管理方面的研究，提出科学化改进策略，使邮储银行的供应链金融业务稳健发展，为其他银行发展提供可借鉴的依据。

    Supply chain financial business can effectively fight against risks in financial services and reduce the bad losses brought by risks. In this business model, the core enterprises can obtain more capital flow or information flow from the upstream and downstream enterprises. Integrate and organize these resources to control the uncontrollable risks that may arise and ensure that the risk problems are minimized. After ensuring that all enterprises in the overall supply chain maintain the best state, it should play the role of supply chain finance business. Compared with the traditional credit-saving model, the supply chain finance business can show more real information. It involves trade background or invoice flow and logistics, and uses multiple verification methods to improve the reliability of information. The supply chain finance business of banks has achieved good results, but also improved the overall level of enterprises in terms of capital demand. However, from the perspective of the current capital acquisition mode, only using enterprise credit to promote this business may cause more serious business risk problems.

    This paper queries the relevant literature of supply chain finance, combined with the current practical experience. The paper focuses on the introduction of PSBC's loan business, risk management and other aspects in recent years as the research object. The data samples can clearly show the development status of PSBC in supply chain finance business, that is, the business model involved. The research methods selected in this paper are mainly literature research methods and case study methods, which can provide more primary data to show the operation mode of PSBC in the face of business risks or market risk identification. According to the research and analysis of this article, the existing problems of PSBC are as follows: the bank is affected by information asymmetry in risk identification; no scientific information collection channel; it is difficult to distinguish from the traditional credit risk identification methods; and unable to clearly understand the comprehensive situation of supply chain in the actual evaluation process. According to all the various problems obtained by the analysis, the effective improvement strategies are put forward. The relevant improvement methods are as follows: First, in the face of risk identification of supply chain finance business, diversified identification methods or means should be considered. Use a variety of tools to solve the overall risk control problem, and to achieve effective prevention and management. Secondly, the risk monitoring of business risk evaluation can be carried out through a diversified big data platform. Establish the bank risk evaluation system, and build the risk control and early warning model starting from the development of the overall industrial chain. Finally, in the level of business risk control, we attach importance to the later risk monitoring and management of the loan business. Related management involves real-time monitoring and early warning or processing.

    In view of the practical research of PSBC in supply chain risk business management, it puts forward scientific improvement strategies to help banks to achieve long-term development and provide a reference basis for the development of other banks.