金融科技背景下商业银行供应链金融产品创新研究——以郑州银行“医鼎通”产品为例

Research on Supply Chain Financial Product Innovation of Commercial Banks Under the Background of Fintech: Take Yidingtong Product of Bank of Zhengzhou as an Example

郑州银行作为地方性商业银行,在供应链金融领域率先推出“医鼎通”金融创新产品,实现了供应链上医院与医疗企业融资信息对接和融资互动,这为其他商业银行在该领域的产品创新提供了重要参考。研究首先基于现有文献阐述了金融科技及供应链金融缓解融资约束的机理;然后介绍了“医鼎通”诞生的背景,详尽分析了“医鼎通”的产品运行流程与运作逻辑,产品的创新之处及产品风险管理机制;最后从商业银行角度指出了“医鼎通”对于供应链金融创新的启示,从政府角度提出了相关政策建议。

As a local commercial bank,Bank of Zhengzhou has taken the lead in launching the“Yidingtong”financial innovation product in the field of supply chain finance,which links financing information and financing interaction between hospitals and medical enterprises, and provides an important reference for the product innovation of other commercial banks in this field. Firstly, based on the existing literature, this study expounds the mechanism of Fintech and supply chain finance to alleviate financing constraints, and then introduces the background of “Yidingtong”, the product operation process and operation logic, and analyzes the product innovation and product risk management mechanism in detail. Finally, from the perspective of commercial banks, it points out the inspiration of “Yidingtong” for the innovation of supply chain finance, and puts forward relevant policy suggestions from the perspective of government.