我国商业银行票据融资业务的经营转型——基于供应链金融的视角  

Transformation of Commercial Banks'Bill Financing Business --From the Perspective of Supply Chain Finance

作　　者：汪办兴 

机构地区：[1]中国工商银行票据营业部

出　　处：《中国货币市场》2018年第12期61-65,共5页China Money

摘　　要：供应链金融作为应“产业发展需求”而生的金融服务模式,近年来在服务实体经济、促进国内经济转型等方面发挥了积极作用。其中,商业银行采用供应链票据融资业务模式可以有效降低中小企业融资成本、防控票据融资业务信用风险并加快票据融资业务创新发展。文章针对该业务发展中存在的问题,提出了完善商业银行供应链票据融资业务模式的相关对策建议。As a financial service model emerged to meet the "industrial development needs",the supply chain finance has played an active role in serving the real economy and promoting the transformation of the economy in recent years.Commercial banks can adopt the supply chain bill financing model to effectively reduce the financing costs of SMEs,prevent and control the credit risk of bill financing and accelerate the innovation and development of bill financing business.Looking into the problems in the business development,the article puts forward some countermeasures and suggestions to improve the business model of commercial banks'supply chain bill financing.

关 键 词：票据融资业务 供应链金融 商业银行 经营转型 金融服务模式 企业融资成本 业务模式 产业发展 

分 类 号：F830.46[经济管理—金融学]