新时代农商银行发展出路探讨——构建基于供应链金融的“农商银行+电商+第三方支付”联合发展模式

Discussion on Development Outlet of Rural Commercial Bank in New Era——Build a Joint Development Model of "rural commercial bank+e-commerce+third-party payment" Based on Supply Chain Finance

论文分析了基于供应链金融的"农商银行+电商+第三方支付"联合发展的可能性,并运用夏普利值法进行测算,通过将基于供应链金融的"农商银行+电商+第三方支付"联合发展模式的各个参与主体收益与"农商银行+电商+第三方支付"及"农商银行+电商" ASCF模式中各主体收益进行对比,证明联合发展模式实现了帕累托改进,即不仅具有技术上的可行性,也具有经济上的可行性,从而为新形势下农商银行发展提供了新的出路。

With the development of economy and technology, "Internet+" is widely popularized and new financial institutions are rapidly emerging.These changes not only challenge the rural commercial banks as local traditional financial institutions,but also provide unprecedented opportunities.According to this paper,rural commercial banks should not only change its traditional management mode and introduce the agricultural supply chain finance pattern,but also actively strengthen the cooperation with e-commerce and third-party payment institutions,to build a joint agricultural supply chain finance(ASCF) system centering on rural commercial banks.Article analyses the possibility of joint development of "rural commercial bank+e-commerce+third-party payment" based on supply chain finance,and uses shapley’s value method to compair the incomes of every participations separately in the pattern of "rural commercial bank+e-commerce+third-party payment" based on supply chain finance with those in the pattern of "rural commercial bank+e-commerce+third-party payment" and "rural commercial bank+e-commerce" ASCF mode.The results prove that the joint development mode can realize pareto improvement.That is,this model is not only technically feasible,but also economically feasible.And this provides a new development outlet of rural commercial bank under the new situation.