城市商业银行行业金融开发的案例分析——以石雕石材行业为例

The Case Analysis of Industry Finance Development of City Commercial Bank —— Take Stone Carving Industry as Example

行业金融是商业银行从行业价值链分析入手,针对行业的资金流动特性,从金融产品设计、风险防控及营销策略方面,提出符合客户需求的金融服务商业模式,为行业客户提供专业化的金融服务解决方案。行业金融模式有助于化解中小企业金融服务过程中存在的交易成本高、信息不对称、风险成本高的难题。城商行开展行业金融是可持续的中小企业金融服务模式的有益探索,同时,也是城商行融入区域主流经济、发展配称性竞争优势的重要战略。通过具体案例分析与演绎,文章进一步阐述行业金融模式的实际操作。

Industry finance is a financial service model, which starts from analysis of industry value chain and provides professional financial solutions. According to the feature of industrial funds’ flow, industry finance meets customers’ demand from financial product design, risk control and marketing strategies. Industry finance can help resolve problems of high transaction costs, high risk-control cost and asymmetric information in the process of financial service of SMEs. Practice of industry finance is an useful exploration of sustainable financial services for SMEs for city commercial banks, at the same time, it is also an important strategy for city commercial banks to integrate into the mainstream of regional economic development. Through the analysis and interpretation of specific cases, the papers further elaborated in the actual operation of the model of industry finance and put forward some policy recommendations for practice of city commercial banks.