摘要
基于供应链金融的行业金融模式旨在通过核心企业与上下游供、销小微企业或个体工商户的信用共同体实现对特定行业小微企业的批量开发与商圈声誉风险控制,解决传统小微业务开展过程的成本与风险控制问题;同时,立足供应链贸易融资模式及综合金融"解决方案"的商业服务理念,为小微企业提供全方位、专业化、精确制导的金融服务。当然,国内城商行还需在组织架构、产品管理体系等方面进行完善,以更好地推行基于供应链金融的行业小微企业金融服务模式。
Industry finance based on supply chain is a financial mode, which creates a credit community through core enterprise and many kinds of small-micro enterprises that is its upstream supply business or downstream mar- keting business. Through this financial mode to do small-micro business is a way to achieve batch development for specific industry and to control cost ＆ risk of traditional small-micro business for commercial banks. At the same time, industry finance based on supply chain provides a more comprehensive, professional and precise financial services for small-micro enterprises. This mode will help city commercial banks to achieve a better service for small-micro enterprises.
出处
《重庆邮电大学学报（社会科学版）》
2012年第5期107-112,共6页
Journal of Chongqing University of Posts and Telecommunications(Social Science Edition)
关键词
小微业务
行业金融
供应链金融
城商行
small-micro business
industry finance
supply chain finance
city commercial banks
