導語：金融創新農商行信貸(dai)業務研究一(yi)文來源于網友上傳，不代表本站觀點，若需要原(yuan)創文章可咨詢客服老(lao)師，歡迎參(can)考。

摘要：供應鏈金融是一種靈活的融資模式，解決了中小企業融資難的問題。以核心企業為主體，通過對”產—供—銷”各個環節的調節,為物流交通、銀行和上下游企業提供了良性產業鏈，達到了融資多方共同受益。我國中小企業的蓬勃發展，極大地刺激了國民經濟的發展。然而，由于我國中小企業起步較晚，信貸業務的發展已成為制約中小企業發展的主要問題。基于以上的大環境，農村商業銀行將重心放到了中小企業的信貸業務上,農村商業銀行通過供應鏈金融發展信貸業務這個新思路成了發展的重點。本文以吉林九臺農村商業銀行為例，從供應鏈金融的特點入手，對農村商業銀行信貸業務的現狀進行了具體的研究和闡述，結合吉林九臺農村商業銀行通過供應鏈金融創新信貸業務的現(xian)狀，提出了(le)農(nong)村(cun)商業銀行通(tong)過供應鏈金融發(fa)展信貸業務時(shi)應該(gai)注意的問題(ti)和解決(jue)辦法。

關鍵詞：供應鏈金融；創新；農商行信貸業務

一、供應鏈金融概述

（一(yi)(yi)(yi)(yi)）供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)背景供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)上(shang)(shang)下(xia)(xia)游(you)公(gong)司(si)經常(chang)會(hui)出現(xian)這種情況：在成(cheng)本(ben)(ben)不足(zu)的(de)(de)(de)(de)(de)(de)(de)(de)情況下(xia)(xia)依舊需(xu)要提(ti)供(gong)(gong)(gong)(gong)(gong)(gong)商(shang)品(pin)給核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)，或在得(de)到利潤之前就要向核(he)(he)(he)心(xin)公(gong)司(si)繳納保證金(jin)(jin)。許多供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)上(shang)(shang)中(zhong)(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)都面臨著(zhu)上(shang)(shang)述的(de)(de)(de)(de)(de)(de)(de)(de)難題(ti)，特別是較弱(ruo)(ruo)勢(shi)的(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)員(yuan)。當這些(xie)規模(mo)小(xiao)、資(zi)(zi)金(jin)(jin)不豐富的(de)(de)(de)(de)(de)(de)(de)(de)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)缺乏(fa)信(xin)用支(zhi)持(chi)，銀(yin)(yin)行(xing)就會(hui)考(kao)慮到由這類(lei)弱(ruo)(ruo)勢(shi)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)帶來(lai)的(de)(de)(de)(de)(de)(de)(de)(de)風險(xian)因(yin)素從(cong)而拒絕對企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)。從(cong)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)的(de)(de)(de)(de)(de)(de)(de)(de)角度來(lai)看,導致(zhi)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)資(zi)(zi)金(jin)(jin)阻塞的(de)(de)(de)(de)(de)(de)(de)(de)原(yuan)因(yin)之一(yi)(yi)(yi)(yi)就是弱(ruo)(ruo)勢(shi)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)不具備足(zu)夠的(de)(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)能(neng)力，核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)也并(bing)不愿意分擔這樣的(de)(de)(de)(de)(de)(de)(de)(de)公(gong)司(si)所(suo)帶來(lai)的(de)(de)(de)(de)(de)(de)(de)(de)風險(xian)。但如果核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)可以(yi)將(jiang)自己的(de)(de)(de)(de)(de)(de)(de)(de)信(xin)用能(neng)力用到上(shang)(shang)游(you)與(yu)下(xia)(xia)游(you)弱(ruo)(ruo)勢(shi)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)往來(lai)，那(nei)么銀(yin)(yin)行(xing)和其(qi)他金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構就能(neng)有效(xiao)監控其(qi)核(he)(he)(he)心(xin)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu),所(suo)以(yi)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構作(zuo)為(wei)(wei)(wei)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)外部的(de)(de)(de)(de)(de)(de)(de)(de)第三方(fang)振興資(zi)(zi)金(jin)(jin)流(liu)，同時擴大金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu),這是供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(SCF)產(chan)生(sheng)的(de)(de)(de)(de)(de)(de)(de)(de)背景。（二）供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)概念供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)是一(yi)(yi)(yi)(yi)種高度靈(ling)活(huo)的(de)(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)方(fang)式，以(yi)銀(yin)(yin)行(xing)為(wei)(wei)(wei)中(zhong)(zhong)(zhong)心(xin)，有效(xiao)地將(jiang)產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)與(yu)其(qi)他企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)聯(lian)系(xi)起(qi)來(lai)，提(ti)供(gong)(gong)(gong)(gong)(gong)(gong)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)產(chan)品(pin)和服務(wu)。一(yi)(yi)(yi)(yi)般來(lai)說，從(cong)原(yuan)材料采購(gou)到中(zhong)(zhong)(zhong)間產(chan)品(pin)和最終(zhong)(zhong)產(chan)品(pin)的(de)(de)(de)(de)(de)(de)(de)(de)轉變是特定商(shang)品(pin)的(de)(de)(de)(de)(de)(de)(de)(de)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)模(mo)式。商(shang)品(pin)生(sheng)產(chan)完成(cheng)后，通過銷(xiao)售網絡(luo)，將(jiang)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)、制(zhi)造、分銷(xiao)、零(ling)售和用戶結合(he)起(qi)來(lai)，最終(zhong)(zhong)到達消費者手中(zhong)(zhong)(zhong)。（三）供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)特點(dian)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)特點(dian)是基于(yu)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)強大的(de)(de)(de)(de)(de)(de)(de)(de)核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)，核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)是整個供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)的(de)(de)(de)(de)(de)(de)(de)(de)財務(wu)基礎。一(yi)(yi)(yi)(yi)方(fang)面,可以(yi)將(jiang)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)缺少資(zi)(zi)金(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)部分加以(yi)補全，解決一(yi)(yi)(yi)(yi)些(xie)公(gong)司(si)的(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)金(jin)(jin)問題(ti)；另一(yi)(yi)(yi)(yi)方(fang)面，銀(yin)(yin)行(xing)在供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)起(qi)著(zhu)促進作(zuo)用。例如，銀(yin)(yin)行(xing)提(ti)供(gong)(gong)(gong)(gong)(gong)(gong)的(de)(de)(de)(de)(de)(de)(de)(de)信(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)提(ti)高了(le)弱(ruo)(ruo)勢(shi)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)購(gou)買力，為(wei)(wei)(wei)其(qi)建立商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)信(xin)貸(dai)，為(wei)(wei)(wei)中(zhong)(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)與(yu)核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)長期合(he)作(zuo)提(ti)供(gong)(gong)(gong)(gong)(gong)(gong)了(le)基本(ben)(ben)成(cheng)本(ben)(ben)。單個企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)本(ben)(ben)流(liu)動性(xing)主(zhu)要有三種形(xing)式：應(ying)(ying)(ying)收(shou)賬(zhang)款、存貨(huo)(huo)和預付賬(zhang)款。根據(ju)不同的(de)(de)(de)(de)(de)(de)(de)(de)擔保措施(shi)，金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構可以(yi)將(jiang)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)基礎產(chan)品(pin)分為(wei)(wei)(wei)應(ying)(ying)(ying)收(shou)賬(zhang)款融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)、預付款融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)和存貨(huo)(huo)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)三類(lei)，在此基礎上(shang)(shang)控制(zhi)和化解風險(xian)。（四）供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)與(yu)傳統金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)區別風險(xian)控制(zhi)和信(xin)貸(dai)靈(ling)活(huo)性(xing)是供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)與(yu)傳統金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)區別的(de)(de)(de)(de)(de)(de)(de)(de)一(yi)(yi)(yi)(yi)般表現(xian)。（1）傳統金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)——對商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)獨立關注。（2）供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)：商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)根據(ju)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)特點(dian)，以(yi)核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)及其(qi)上(shang)(shang)下(xia)(xia)游(you)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)為(wei)(wei)(wei)中(zhong)(zhong)(zhong)間環節，為(wei)(wei)(wei)供(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)核(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)提(ti)供(gong)(gong)(gong)(gong)(gong)(gong)全面的(de)(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服務(wu)。

二、我(wo)國農村商業銀行信(xin)貸(dai)業務現(xian)狀分析

（一(yi)(yi)）傳統信(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)務(wu)(wu)的(de)(de)操作流程。第(di)一(yi)(yi)，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)申(shen)(shen)請(qing)(qing)：貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)申(shen)(shen)請(qing)(qing)人向貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)中心(xin)提(ti)供身(shen)份證(zheng)后(hou)(hou)(hou)(hou)，首先，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)中心(xin)需(xu)(xu)(xu)要(yao)(yao)(yao)(yao)審(shen)查(cha)(cha)(cha)(cha)其資(zi)質，看其是(shi)(shi)否(fou)屬于禁止(zhi)進(jin)(jin)(jin)(jin)(jin)入的(de)(de)情(qing)況(kuang)(kuang)(kuang)，擔保(bao)(bao)(bao)(bao)人是(shi)(shi)否(fou)已(yi)執行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，是(shi)(shi)否(fou)符合(he)(he)(he)(he)經(jing)(jing)(jing)(jing)營期要(yao)(yao)(yao)(yao)求(qiu)，是(shi)(shi)否(fou)有(you)償還(huan)能力等(deng)。接下來，我們需(xu)(xu)(xu)要(yao)(yao)(yao)(yao)填寫貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)申(shen)(shen)請(qing)(qing)表(biao)，并(bing)向銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)簽(qian)發信(xin)用證(zheng)查(cha)(cha)(cha)(cha)詢授權書(shu)。最后(hou)(hou)(hou)(hou)，將(jiang)(jiang)(jiang)其分(fen)(fen)配給客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)跟蹤，進(jin)(jin)(jin)(jin)(jin)入傳統信(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)管(guan)理(li)(li)(li)(li)系統中分(fen)(fen)配的(de)(de)應用階段。第(di)二(er)，調查(cha)(cha)(cha)(cha)分(fen)(fen)析：客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)首先進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)調查(cha)(cha)(cha)(cha)時間安排和(he)(he)(he)預約。貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)前準(zhun)備，如提(ti)交(jiao)憑證(zheng)取(qu)用申(shen)(shen)請(qing)(qing)表(biao)，獲(huo)取(qu)現有(you)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)信(xin)息，總結調查(cha)(cha)(cha)(cha)中存在(zai)的(de)(de)問題及(ji)可信(xin)風(feng)險因(yin)素，根(gen)據客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)的(de)(de)當前信(xin)息列出行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)及(ji)主(zhu)要(yao)(yao)(yao)(yao)檢(jian)查(cha)(cha)(cha)(cha)方(fang)法(fa)，然(ran)后(hou)(hou)(hou)(hou)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)現場(chang)(chang)調查(cha)(cha)(cha)(cha)，并(bing)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)分(fen)(fen)析。第(di)三(san)，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)審(shen)批(pi)(pi)：客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)提(ti)交(jiao)個人信(xin)息，客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)整合(he)(he)(he)(he)這些信(xin)息。了解了客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)和(he)(he)(he)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)信(xin)息的(de)(de)基(ji)本(ben)(ben)(ben)情(qing)況(kuang)(kuang)(kuang)，不(bu)(bu)對(dui)稱偏差(cha)分(fen)(fen)析，以(yi)(yi)(yi)及(ji)企(qi)業(ye)(ye)的(de)(de)主(zhu)要(yao)(yao)(yao)(yao)財務(wu)(wu)數據。完成(cheng)《貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)審(shen)會(hui)審(shen)批(pi)(pi)檢(jian)查(cha)(cha)(cha)(cha)表(biao)》，遞交(jiao)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)審(shen)批(pi)(pi)部(bu)門(men)。第(di)四，簽(qian)訂(ding)合(he)(he)(he)(he)同(tong)(tong)(tong)：參照《貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)活(huo)動程序》，后(hou)(hou)(hou)(hou)臺(tai)人員(yuan)編制《貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)審(shen)查(cha)(cha)(cha)(cha)決議(yi)表(biao)》。借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)（擔保(bao)(bao)(bao)(bao)）合(he)(he)(he)(he)同(tong)(tong)(tong)和(he)(he)(he)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)文件訂(ding)立后(hou)(hou)(hou)(hou)，應當及(ji)時通知(zhi)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人、擔保(bao)(bao)(bao)(bao)人等(deng)合(he)(he)(he)(he)同(tong)(tong)(tong)當事人持原(yuan)身(shen)份證(zheng)，并(bing)在(zai)約定(ding)(ding)(ding)(ding)的(de)(de)地點一(yi)(yi)式兩(liang)(liang)份簽(qian)訂(ding)合(he)(he)(he)(he)同(tong)(tong)(tong)。第(di)五，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)發放(fang)(fang)：客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)完成(cheng)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)審(shen)核(he)程序后(hou)(hou)(hou)(hou)，將(jiang)(jiang)(jiang)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)發放(fang)(fang)到貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)中確(que)定(ding)(ding)(ding)(ding)的(de)(de)二(er)級分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)會(hui)計室發放(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)。申(shen)(shen)請(qing)(qing)人應確(que)認(ren)(ren)每張(zhang)匯(hui)票并(bing)親筆(bi)簽(qian)名。客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)和(he)(he)(he)授權人應在(zai)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)收(shou)據上(shang)(shang)(shang)簽(qian)字。采取(qu)受托支(zhi)付的(de)(de)，銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)務(wu)(wu)從業(ye)(ye)人員(yuan)需(xu)(xu)(xu)在(zai)放(fang)(fang)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)之前，審(shen)核(he)申(shen)(shen)請(qing)(qing)人交(jiao)易資(zi)料和(he)(he)(he)憑證(zheng)的(de)(de)真實性(xing)，是(shi)(shi)否(fou)與簽(qian)署的(de)(de)合(he)(he)(he)(he)同(tong)(tong)(tong)相(xiang)(xiang)符合(he)(he)(he)(he)。借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人自(zi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)支(zhi)付的(de)(de)，經(jing)(jing)(jing)(jing)被(bei)授權人同(tong)(tong)(tong)意，可以(yi)(yi)(yi)將(jiang)(jiang)(jiang)可能發生的(de)(de)金(jin)額(e)(e)(e)(e)(e)(e)直接存入借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人在(zai)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)開立的(de)(de)賬(zhang)(zhang)戶(hu)(hu)(hu)(hu)(hu)(hu)。第(di)六，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)管(guan)理(li)(li)(li)(li)：貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)發放(fang)(fang)后(hou)(hou)(hou)(hou)，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)管(guan)理(li)(li)(li)(li)尤(you)為重(zhong)要(yao)(yao)(yao)(yao)。它包(bao)括貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)監(jian)控(kong)、貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)檔案(an)管(guan)理(li)(li)(li)(li)和(he)(he)(he)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)償還(huan)。貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)發放(fang)(fang)后(hou)(hou)(hou)(hou)，銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)每月進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)后(hou)(hou)(hou)(hou)監(jian)管(guan)，包(bao)括：客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)操作、家(jia)庭(ting)情(qing)況(kuang)(kuang)(kuang)等(deng)，并(bing)填寫正常的(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)監(jian)控(kong)表(biao)。（二(er)）貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)業(ye)(ye)務(wu)(wu)類(lei)別(bie)。對(dui)農(nong)(nong)(nong)村(cun)商(shang)業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)而(er)言，農(nong)(nong)(nong)村(cun)居(ju)民(min)(min)小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)和(he)(he)(he)小(xiao)(xiao)(xiao)微企(qi)業(ye)(ye)小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)是(shi)(shi)其主(zhu)要(yao)(yao)(yao)(yao)客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)，也是(shi)(shi)其主(zhu)要(yao)(yao)(yao)(yao)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)類(lei)型。其中，農(nong)(nong)(nong)村(cun)居(ju)民(min)(min)小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)按照小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)擔保(bao)(bao)(bao)(bao)方(fang)式分(fen)(fen)為農(nong)(nong)(nong)村(cun)居(ju)民(min)(min)聯(lian)(lian)保(bao)(bao)(bao)(bao)小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)和(he)(he)(he)農(nong)(nong)(nong)村(cun)居(ju)民(min)(min)保(bao)(bao)(bao)(bao)證(zheng)小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，這種(zhong)(zhong)聯(lian)(lian)保(bao)(bao)(bao)(bao)制通常由四到六戶(hu)(hu)(hu)(hu)(hu)(hu)組(zu)(zu)成(cheng)農(nong)(nong)(nong)民(min)(min)聯(lian)(lian)保(bao)(bao)(bao)(bao)小(xiao)(xiao)(xiao)組(zu)(zu)，每一(yi)(yi)小(xiao)(xiao)(xiao)組(zu)(zu)成(cheng)員(yuan)都將(jiang)(jiang)(jiang)承擔貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)保(bao)(bao)(bao)(bao)證(zheng)責任(ren)；另一(yi)(yi)種(zhong)(zhong)稱為農(nong)(nong)(nong)村(cun)居(ju)民(min)(min)保(bao)(bao)(bao)(bao)證(zheng)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，需(xu)(xu)(xu)要(yao)(yao)(yao)(yao)符合(he)(he)(he)(he)條件的(de)(de)自(zi)然(ran)人或法(fa)人兩(liang)(liang)個以(yi)(yi)(yi)上(shang)(shang)(shang)來簽(qian)署貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)保(bao)(bao)(bao)(bao)證(zheng)書(shu)。與農(nong)(nong)(nong)村(cun)居(ju)民(min)(min)小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)相(xiang)(xiang)似，小(xiao)(xiao)(xiao)微企(qi)業(ye)(ye)小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)也分(fen)(fen)為聯(lian)(lian)保(bao)(bao)(bao)(bao)和(he)(he)(he)保(bao)(bao)(bao)(bao)證(zheng)兩(liang)(liang)種(zhong)(zhong)。（三(san)）貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)后(hou)(hou)(hou)(hou)處理(li)(li)(li)(li)工作。1.貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)后(hou)(hou)(hou)(hou)檢(jian)查(cha)(cha)(cha)(cha)。貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)后(hou)(hou)(hou)(hou)檢(jian)查(cha)(cha)(cha)(cha)從四方(fang)面出發，分(fen)(fen)別(bie)是(shi)(shi)日常貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)檢(jian)查(cha)(cha)(cha)(cha)、風(feng)險評(ping)級重(zhong)檢(jian)、風(feng)險預警檢(jian)查(cha)(cha)(cha)(cha)和(he)(he)(he)監(jian)督檢(jian)查(cha)(cha)(cha)(cha)。小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)發放(fang)(fang)后(hou)(hou)(hou)(hou)，銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)與借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)溝(gou)通，賬(zhang)(zhang)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)負責賬(zhang)(zhang)戶(hu)(hu)(hu)(hu)(hu)(hu)跟蹤檢(jian)查(cha)(cha)(cha)(cha)。檢(jian)查(cha)(cha)(cha)(cha)工作主(zhu)要(yao)(yao)(yao)(yao)關注借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人其他負債情(qing)況(kuang)(kuang)(kuang)、經(jing)(jing)(jing)(jing)營狀(zhuang)況(kuang)(kuang)(kuang)、抵押物價(jia)值情(qing)況(kuang)(kuang)(kuang)以(yi)(yi)(yi)及(ji)保(bao)(bao)(bao)(bao)證(zheng)人代償能力。客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)還(huan)需(xu)(xu)(xu)要(yao)(yao)(yao)(yao)定(ding)(ding)(ding)(ding)期抽查(cha)(cha)(cha)(cha)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人的(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)資(zi)金(jin)流是(shi)(shi)否(fou)符合(he)(he)(he)(he)合(he)(he)(he)(he)同(tong)(tong)(tong)的(de)(de)約定(ding)(ding)(ding)(ding)，嚴防信(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)資(zi)金(jin)進(jin)(jin)(jin)(jin)(jin)入證(zheng)券市(shi)場(chang)(chang)或股本(ben)(ben)(ben)權益性(xing)投資(zi)。2.逾期催(cui)收(shou)。逾期不(bu)(bu)還(huan)的(de)(de)，農(nong)(nong)(nong)村(cun)商(shang)業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)將(jiang)(jiang)(jiang)采取(qu)不(bu)(bu)同(tong)(tong)(tong)的(de)(de)收(shou)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)方(fang)式。當借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人拖欠本(ben)(ben)(ben)金(jin)或利息的(de)(de)第(di)一(yi)(yi)時間，客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)會(hui)提(ti)醒借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人，并(bing)調查(cha)(cha)(cha)(cha)逾期原(yuan)因(yin)。當借(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)人拖欠本(ben)(ben)(ben)金(jin)超過約定(ding)(ding)(ding)(ding)期限7天(tian)，客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)會(hui)需(xu)(xu)(xu)要(yao)(yao)(yao)(yao)到貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)家(jia)中或工作場(chang)(chang)所進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)現場(chang)(chang)催(cui)收(shou)，并(bing)提(ti)前采取(qu)一(yi)(yi)定(ding)(ding)(ding)(ding)的(de)(de)措(cuo)施。拖欠本(ben)(ben)(ben)金(jin)超過15天(tian)后(hou)(hou)(hou)(hou)，客(ke)(ke)戶(hu)(hu)(hu)(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)(li)(li)會(hui)將(jiang)(jiang)(jiang)該筆(bi)小(xiao)(xiao)(xiao)額(e)(e)(e)(e)(e)(e)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)在(zai)轉為不(bu)(bu)良貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，上(shang)(shang)(shang)報銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)相(xiang)(xiang)關部(bu)門(men)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)備案(an)，農(nong)(nong)(nong)商(shang)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)會(hui)采取(qu)更(geng)加嚴格的(de)(de)催(cui)收(shou)措(cuo)施。3.貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)核(he)銷(xiao)。對(dui)于已(yi)經(jing)(jing)(jing)(jing)確(que)認(ren)(ren)為損失類(lei)的(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)，由相(xiang)(xiang)關責任(ren)分(fen)(fen)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)或者支(zhi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)需(xu)(xu)(xu)要(yao)(yao)(yao)(yao)按總行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)相(xiang)(xiang)關規定(ding)(ding)(ding)(ding)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)認(ren)(ren)定(ding)(ding)(ding)(ding)，上(shang)(shang)(shang)報總行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，由總行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)集中審(shen)批(pi)(pi)核(he)銷(xiao)。

三、吉(ji)林九臺農商行通過供應鏈金融創新信(xin)貸業務(wu)的思路與舉措

（一）吉林九(jiu)臺(tai)(tai)農(nong)(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)概況(kuang)。吉林九(jiu)臺(tai)(tai)農(nong)(nong)村商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)限公(gong)司簡稱九(jiu)臺(tai)(tai)農(nong)(nong)村商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。它是(shi)(shi)(shi)(shi)(shi)2008年底(di)重組的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)東北三(san)省(sheng)(sheng)第(di)(di)(di)一家農(nong)(nong)村商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。九(jiu)臺(tai)(tai)農(nong)(nong)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)目(mu)前發(fa)展(zhan)狀態良好，在(zai)國(guo)內跨省(sheng)(sheng)市(shi)設立了(le)(le)30余(yu)家村鎮銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)、百余(yu)個網(wang)點(dian)。（二(er)）供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)運用。1.應(ying)(ying)(ying)(ying)(ying)(ying)收(shou)(shou)類(lei)：應(ying)(ying)(ying)(ying)(ying)(ying)收(shou)(shou)賬(zhang)(zhang)款(kuan)(kuan)(kuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)模式(shi)分(fen)(fen)析。應(ying)(ying)(ying)(ying)(ying)(ying)收(shou)(shou)賬(zhang)(zhang)款(kuan)(kuan)(kuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)是(shi)(shi)(shi)(shi)(shi)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為(wei)(wei)優化應(ying)(ying)(ying)(ying)(ying)(ying)收(shou)(shou)賬(zhang)(zhang)款(kuan)(kuan)(kuan)管(guan)理(li)而(er)(er)提供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一項(xiang)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)服務。主要(yao)(yao)面對(dui)(dui)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，這(zhe)(zhe)些企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)將(jiang)(jiang)(jiang)自己(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)債(zhai)(zhai)權(quan)特(te)別是(shi)(shi)(shi)(shi)(shi)應(ying)(ying)(ying)(ying)(ying)(ying)收(shou)(shou)賬(zhang)(zhang)款(kuan)(kuan)(kuan)債(zhai)(zhai)權(quan)轉(zhuan)讓(rang)(rang)給(gei)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)以(yi)(yi)獲(huo)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)支持，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)得(de)(de)到(dao)(dao)(dao)了(le)(le)債(zhai)(zhai)權(quan)后(hou)(hou)向(xiang)債(zhai)(zhai)務人收(shou)(shou)取(qu)應(ying)(ying)(ying)(ying)(ying)(ying)付(fu)(fu)款(kuan)(kuan)(kuan)項(xiang)以(yi)(yi)作(zuo)(zuo)(zuo)為(wei)(wei)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)償(chang)(chang)貸(dai)方(fang)(fang)(fang)(fang)式(shi)，其融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)流(liu)程如(ru)下：（1）當(dang)公(gong)司存(cun)(cun)在(zai)營銷并已(yi)(yi)經形成(cheng)應(ying)(ying)(ying)(ying)(ying)(ying)收(shou)(shou)賬(zhang)(zhang)款(kuan)(kuan)(kuan)，且(qie)未到(dao)(dao)(dao)賬(zhang)(zhang)，公(gong)司將(jiang)(jiang)(jiang)債(zhai)(zhai)權(quan)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)地轉(zhuan)讓(rang)(rang)給(gei)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。（2）由銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)和(he)(he)(he)公(gong)司通(tong)知買方(fang)(fang)(fang)(fang)債(zhai)(zhai)權(quan)已(yi)(yi)轉(zhuan)讓(rang)(rang)，應(ying)(ying)(ying)(ying)(ying)(ying)向(xiang)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)付(fu)(fu)款(kuan)(kuan)(kuan)。（3）買方(fang)(fang)(fang)(fang)，一般是(shi)(shi)(shi)(shi)(shi)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)中(zhong)(zhong)(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，得(de)(de)到(dao)(dao)(dao)消息(xi)(xi)(xi)(xi)后(hou)(hou)調(diao)整付(fu)(fu)款(kuan)(kuan)(kuan)對(dui)(dui)象為(wei)(wei)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。（4）銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)確(que)認(ren)自己(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)權(quan)屬信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)后(hou)(hou)與銷售方(fang)(fang)(fang)(fang)即融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)達成(cheng)共識，發(fa)放應(ying)(ying)(ying)(ying)(ying)(ying)收(shou)(shou)賬(zhang)(zhang)款(kuan)(kuan)(kuan)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)（5）作(zuo)(zuo)(zuo)為(wei)(wei)買方(fang)(fang)(fang)(fang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)最(zui)(zui)終向(xiang)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)支付(fu)(fu)應(ying)(ying)(ying)(ying)(ying)(ying)付(fu)(fu)款(kuan)(kuan)(kuan)。2.存(cun)(cun)貨(huo)類(lei)：質(zhi)(zhi)押(ya)(ya)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)模式(shi)分(fen)(fen)析。對(dui)(dui)于(yu)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)來說，相(xiang)當(dang)多(duo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)不(bu)(bu)(bu)符合(he)(he)抵押(ya)(ya)物(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)要(yao)(yao)求(qiu)，在(zai)這(zhe)(zhe)種(zhong)情況(kuang)下，融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)通(tong)過質(zhi)(zhi)押(ya)(ya)獲(huo)得(de)(de)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)貸(dai)。設質(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)額(e)度由商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)來規(gui)(gui)(gui)定(ding)(ding)，如(ru)果有(you)(you)(you)超出最(zui)(zui)低(di)(di)(di)限額(e)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)質(zhi)(zhi)押(ya)(ya)物(wu)(wu)(wu)(wu)(wu)，那么這(zhe)(zhe)部(bu)分(fen)(fen)可(ke)(ke)(ke)(ke)以(yi)(yi)自由出入(ru)(ru)(ru)庫，企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)也(ye)可(ke)(ke)(ke)(ke)以(yi)(yi)通(tong)過僅以(yi)(yi)貨(huo)物(wu)(wu)(wu)(wu)(wu)交易(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)(fang)(fang)(fang)式(shi)進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)抵押(ya)(ya)。其融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)過程如(ru)下：（1）融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)與商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)和(he)(he)(he)第(di)(di)(di)三(san)方(fang)(fang)(fang)(fang)物(wu)(wu)(wu)(wu)(wu)流(liu)簽(qian)訂融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)倉儲監(jian)(jian)(jian)(jian)管(guan)協(xie)議。企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)以(yi)(yi)合(he)(he)法的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)動(dong)產(chan)(chan)作(zuo)(zuo)(zuo)質(zhi)(zhi)押(ya)(ya)。申請(qing)后(hou)(hou)，企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)需(xu)要(yao)(yao)將(jiang)(jiang)(jiang)材(cai)(cai)料移交給(gei)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)規(gui)(gui)(gui)定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)三(san)方(fang)(fang)(fang)(fang)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，三(san)方(fang)(fang)(fang)(fang)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)對(dui)(dui)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)材(cai)(cai)料進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)監(jian)(jian)(jian)(jian)督。（2）商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)確(que)認(ren)質(zhi)(zhi)押(ya)(ya)后(hou)(hou)向(xiang)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)款(kuan)(kuan)(kuan)。（3）商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)規(gui)(gui)(gui)定(ding)(ding)抵押(ya)(ya)貸(dai)款(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)最(zui)(zui)低(di)(di)(di)標準(zhun)(zhun)，由企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)調(diao)配。（4）如(ru)果融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)交給(gei)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)抵押(ya)(ya)物(wu)(wu)(wu)(wu)(wu)資(zi)(zi)(zi)(zi)(zi)不(bu)(bu)(bu)達標，銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)將(jiang)(jiang)(jiang)會(hui)要(yao)(yao)求(qiu)增加(jia)(jia)(jia)保(bao)(bao)證金(jin)(jin)。（5）銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)確(que)認(ren)收(shou)(shou)到(dao)(dao)(dao)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)證金(jin)(jin)后(hou)(hou)，通(tong)知指(zhi)定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)三(san)方(fang)(fang)(fang)(fang)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)允許(xu)等(deng)額(e)貨(huo)物(wu)(wu)(wu)(wu)(wu)放行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。3.先票款(kuan)(kuan)(kuan)后(hou)(hou)貨(huo)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)模式(shi)分(fen)(fen)析。在(zai)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)(zhong)(zhong)像(xiang)中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)型融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)這(zhe)(zhe)樣的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)弱(ruo)勢(shi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)與核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)合(he)(he)作(zuo)(zuo)(zuo)經常面臨資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)難題，利用先票款(kuan)(kuan)(kuan)后(hou)(hou)貨(huo)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)這(zhe)(zhe)種(zhong)模式(shi)可(ke)(ke)(ke)(ke)以(yi)(yi)解決中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)部(bu)分(fen)(fen)資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)壓力(li)(li)(li)。先票后(hou)(hou)貨(huo)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具(ju)體方(fang)(fang)(fang)(fang)法是(shi)(shi)(shi)(shi)(shi)當(dang)弱(ruo)勢(shi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)缺(que)乏(fa)必要(yao)(yao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)時(shi)(shi)(shi)，如(ru)采(cai)購資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)，首先要(yao)(yao)與銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)和(he)(he)(he)核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)簽(qian)訂協(xie)議，在(zai)這(zhe)(zhe)種(zhong)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)模式(shi)下，可(ke)(ke)(ke)(ke)以(yi)(yi)在(zai)協(xie)議中(zhong)(zhong)(zhong)(zhong)(zhong)以(yi)(yi)保(bao)(bao)證金(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)形式(shi)率先獲(huo)得(de)(de)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)，后(hou)(hou)續需(xu)要(yao)(yao)用銷售收(shou)(shou)入(ru)(ru)(ru)來償(chang)(chang)還(huan)(huan)(huan)，即將(jiang)(jiang)(jiang)貨(huo)權(quan)作(zuo)(zuo)(zuo)為(wei)(wei)抵押(ya)(ya)給(gei)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。（三(san)）信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務創新(xin)模式(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)初步效(xiao)(xiao)(xiao)(xiao)果。1.銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)獲(huo)取(qu)更(geng)加(jia)(jia)(jia)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)。在(zai)傳統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務模式(shi)下，當(dang)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)放貸(dai)時(shi)(shi)(shi)，獲(huo)取(qu)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)途(tu)徑相(xiang)對(dui)(dui)來講并不(bu)(bu)(bu)靈活(huo)，因此銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)在(zai)這(zhe)(zhe)種(zhong)情況(kuang)下，不(bu)(bu)(bu)一定(ding)(ding)收(shou)(shou)集到(dao)(dao)(dao)足夠(gou)(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，無法監(jian)(jian)(jian)(jian)控市(shi)場動(dong)向(xiang)。（1）革新(xin)地引入(ru)(ru)(ru)了(le)(le)優秀核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)和(he)(he)(he)第(di)(di)(di)三(san)方(fang)(fang)(fang)(fang)物(wu)(wu)(wu)(wu)(wu)流(liu)監(jian)(jian)(jian)(jian)管(guan)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)。供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)解決了(le)(le)傳統(tong)信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)不(bu)(bu)(bu)對(dui)(dui)稱，吸引了(le)(le)優質(zhi)(zhi)且(qie)強(qiang)勢(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)承擔(dan)(dan)著管(guan)理(li)者的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)角色，負責篩選(xuan)、準(zhun)(zhun)入(ru)(ru)(ru)、評價和(he)(he)(he)淘汰(tai)；第(di)(di)(di)三(san)方(fang)(fang)(fang)(fang)物(wu)(wu)(wu)(wu)(wu)流(liu)監(jian)(jian)(jian)(jian)管(guan)機(ji)構(gou)(gou)在(zai)監(jian)(jian)(jian)(jian)管(guan)中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)產(chan)(chan)權(quan)和(he)(he)(he)進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)相(xiang)關(guan)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)交易(yi)時(shi)(shi)(shi)，通(tong)過物(wu)(wu)(wu)(wu)(wu)流(liu)和(he)(he)(he)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)流(liu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)生(sheng)，我們可(ke)(ke)(ke)(ke)以(yi)(yi)充(chong)分(fen)(fen)了(le)(le)解大(da)(da)量(liang)中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)真(zhen)實信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)。這(zhe)(zhe)些信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)及(ji)時(shi)(shi)(shi)性和(he)(he)(he)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)性是(shi)(shi)(shi)(shi)(shi)以(yi)(yi)充(chong)分(fen)(fen)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)真(zhen)實交易(yi)為(wei)(wei)基(ji)礎的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)可(ke)(ke)(ke)(ke)以(yi)(yi)從(cong)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)(zhong)(zhong)獲(huo)得(de)(de)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)相(xiang)關(guan)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)真(zhen)實有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，為(wei)(wei)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)授(shou)(shou)信(xin)(xin)(xin)奠(dian)定(ding)(ding)了(le)(le)穩(wen)定(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎。（2）降低(di)(di)(di)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)不(bu)(bu)(bu)對(dui)(dui)稱風(feng)(feng)險(xian)，加(jia)(jia)(jia)強(qiang)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)間的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)作(zuo)(zuo)(zuo)。為(wei)(wei)了(le)(le)降低(di)(di)(di)自身(shen)(shen)風(feng)(feng)險(xian)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)更(geng)愿意(yi)與信(xin)(xin)(xin)譽良好、資(zi)(zi)(zi)(zi)(zi)本規(gui)(gui)(gui)模較(jiao)(jiao)大(da)(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)熟企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)合(he)(he)作(zuo)(zuo)(zuo)。他們能(neng)夠(gou)(gou)公(gong)開(kai)定(ding)(ding)期的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財(cai)務報(bao)表或企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)內部(bu)存(cun)(cun)在(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)變動(dong)等(deng)對(dui)(dui)于(yu)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)來說必要(yao)(yao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，以(yi)(yi)此商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)可(ke)(ke)(ke)(ke)以(yi)(yi)降低(di)(di)(di)獲(huo)得(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)本，也(ye)增加(jia)(jia)(jia)了(le)(le)獲(huo)得(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)(fang)(fang)(fang)式(shi)，這(zhe)(zhe)樣就讓(rang)(rang)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)在(zai)與供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)相(xiang)關(guan)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)合(he)(he)作(zuo)(zuo)(zuo)時(shi)(shi)(shi)不(bu)(bu)(bu)至出現嚴(yan)重的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)不(bu)(bu)(bu)對(dui)(dui)稱。（3）與有(you)(you)(you)強(qiang)烈合(he)(he)作(zuo)(zuo)(zuo)意(yi)愿的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)合(he)(he)作(zuo)(zuo)(zuo)。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)采(cai)取(qu)優勝(sheng)劣(lie)汰(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)(fang)(fang)(fang)式(shi)終止與合(he)(he)作(zuo)(zuo)(zuo)意(yi)愿較(jiao)(jiao)低(di)(di)(di)，承受風(feng)(feng)險(xian)能(neng)力(li)(li)(li)低(di)(di)(di)，不(bu)(bu)(bu)能(neng)遵(zun)守(shou)合(he)(he)同(tong)要(yao)(yao)求(qiu)，有(you)(you)(you)不(bu)(bu)(bu)誠(cheng)信(xin)(xin)(xin)記錄(lu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)合(he)(he)作(zuo)(zuo)(zuo)，已(yi)(yi)確(que)保(bao)(bao)合(he)(he)作(zuo)(zuo)(zuo)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)與自身(shen)(shen)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)流(liu)暢真(zhen)實。2.銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)甄別企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)獲(huo)得(de)(de)了(le)(le)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)途(tu)徑。信(xin)(xin)(xin)用客戶有(you)(you)(you)三(san)種(zhong)類(lei)型：高(gao)質(zhi)(zhi)量(liang)、中(zhong)(zhong)(zhong)(zhong)(zhong)端和(he)(he)(he)其他可(ke)(ke)(ke)(ke)以(yi)(yi)開(kai)發(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客戶。有(you)(you)(you)許(xu)多(duo)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)上下游(you)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)缺(que)乏(fa)資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)，特(te)別是(shi)(shi)(shi)(shi)(shi)在(zai)上下游(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，他們由于(yu)規(gui)(gui)(gui)模小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)不(bu)(bu)(bu)在(zai)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)優先授(shou)(shou)信(xin)(xin)(xin)名單內。造成(cheng)這(zhe)(zhe)一現象的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主要(yao)(yao)原因是(shi)(shi)(shi)(shi)(shi)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)無法區分(fen)(fen)低(di)(di)(di)質(zhi)(zhi)量(liang)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)和(he)(he)(he)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)規(gui)(gui)(gui)模但潛能(neng)巨(ju)大(da)(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)沒(mei)有(you)(you)(you)充(chong)分(fen)(fen)披露信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)平臺(tai)(tai)和(he)(he)(he)手段(duan)。（1）中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)擁有(you)(you)(you)展(zhan)示發(fa)展(zhan)潛力(li)(li)(li)和(he)(he)(he)償(chang)(chang)付(fu)(fu)能(neng)力(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)渠道。供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)創新(xin)在(zai)于(yu)將(jiang)(jiang)(jiang)核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)和(he)(he)(he)第(di)(di)(di)三(san)方(fang)(fang)(fang)(fang)物(wu)(wu)(wu)(wu)(wu)流(liu)監(jian)(jian)(jian)(jian)管(guan)機(ji)構(gou)(gou)納入(ru)(ru)(ru)整體框架。它使中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)有(you)(you)(you)渠道展(zhan)示發(fa)展(zhan)潛力(li)(li)(li)和(he)(he)(he)償(chang)(chang)付(fu)(fu)能(neng)力(li)(li)(li)。中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)不(bu)(bu)(bu)僅可(ke)(ke)(ke)(ke)以(yi)(yi)充(chong)分(fen)(fen)披露自己(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，還(huan)(huan)(huan)可(ke)(ke)(ke)(ke)以(yi)(yi)從(cong)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)系統(tong)中(zhong)(zhong)(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)和(he)(he)(he)第(di)(di)(di)三(san)方(fang)(fang)(fang)(fang)物(wu)(wu)(wu)(wu)(wu)流(liu)監(jian)(jian)(jian)(jian)管(guan)機(ji)構(gou)(gou)獲(huo)得(de)(de)各種(zhong)幫助。（2）對(dui)(dui)進(jin)入(ru)(ru)(ru)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)提出更(geng)嚴(yan)格的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)篩選(xuan)。嚴(yan)格要(yao)(yao)求(qiu)，確(que)保(bao)(bao)中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)償(chang)(chang)付(fu)(fu)能(neng)力(li)(li)(li)，確(que)保(bao)(bao)進(jin)入(ru)(ru)(ru)鏈(lian)(lian)(lian)(lian)(lian)(lian)條(tiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)是(shi)(shi)(shi)(shi)(shi)具(ju)有(you)(you)(you)核(he)(he)(he)(he)心(xin)競爭力(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)。中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)進(jin)入(ru)(ru)(ru)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)后(hou)(hou)，可(ke)(ke)(ke)(ke)以(yi)(yi)將(jiang)(jiang)(jiang)其進(jin)入(ru)(ru)(ru)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)作(zuo)(zuo)(zuo)為(wei)(wei)自身(shen)(shen)償(chang)(chang)債(zhai)(zhai)范(fan)圍提交銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。利用供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)來向(xiang)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)證明自己(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)能(neng)力(li)(li)(li)，反(fan)過來銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)也(ye)可(ke)(ke)(ke)(ke)根據企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)遞交的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)證明來進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)區分(fen)(fen)。3.銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)降低(di)(di)(di)了(le)(le)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)風(feng)(feng)險(xian)。（1）供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)通(tong)過運營將(jiang)(jiang)(jiang)風(feng)(feng)險(xian)降至最(zui)(zui)低(di)(di)(di)。銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)通(tong)過供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)反(fan)饋和(he)(he)(he)貿易(yi)相(xiang)關(guan)數(shu)據定(ding)(ding)位中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，然(ran)后(hou)(hou)決定(ding)(ding)是(shi)(shi)(shi)(shi)(shi)否發(fa)放貸(dai)款(kuan)(kuan)(kuan)。供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)以(yi)(yi)真(zhen)實有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貿易(yi)為(wei)(wei)基(ji)礎。同(tong)時(shi)(shi)(shi)，通(tong)過物(wu)(wu)(wu)(wu)(wu)流(liu)、資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)流(liu)、信(xin)(xin)(xin)息(xi)(xi)(xi)(xi)流(liu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)封閉運作(zuo)(zuo)(zuo)，將(jiang)(jiang)(jiang)還(huan)(huan)(huan)款(kuan)(kuan)(kuan)流(liu)程與融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)分(fen)(fen)開(kai)。貿易(yi)產(chan)(chan)生(sheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)收(shou)(shou)入(ru)(ru)(ru)直(zhi)接(jie)用于(yu)償(chang)(chang)還(huan)(huan)(huan)，相(xiang)關(guan)風(feng)(feng)險(xian)最(zui)(zui)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)化。（2）供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)為(wei)(wei)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)提供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)可(ke)(ke)(ke)(ke)以(yi)(yi)直(zhi)接(jie)從(cong)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)中(zhong)(zhong)(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)獲(huo)得(de)(de)質(zhi)(zhi)押(ya)(ya)，而(er)(er)不(bu)(bu)(bu)是(shi)(shi)(shi)(shi)(shi)從(cong)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)轉(zhuan)移，提高(gao)質(zhi)(zhi)押(ya)(ya)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)質(zhi)(zhi)量(liang)和(he)(he)(he)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)性。（3）核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)加(jia)(jia)(jia)入(ru)(ru)(ru)，大(da)(da)大(da)(da)提高(gao)了(le)(le)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)整體信(xin)(xin)(xin)用等(deng)級(ji)。雖然(ran)信(xin)(xin)(xin)用等(deng)級(ji)較(jiao)(jiao)低(di)(di)(di)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)直(zhi)接(jie)與銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)交易(yi)，但事實上，核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)用促進(jin)了(le)(le)交易(yi)，核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)承擔(dan)(dan)最(zui)(zui)終還(huan)(huan)(huan)款(kuan)(kuan)(kuan)。因此，供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)最(zui)(zui)終信(xin)(xin)(xin)用主體是(shi)(shi)(shi)(shi)(shi)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)結構(gou)(gou)良好、信(xin)(xin)(xin)用等(deng)級(ji)較(jiao)(jiao)高(gao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)。核(he)(he)(he)(he)心(xin)企(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)信(xin)(xin)(xin)用評級(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)提高(gao)也(ye)降低(di)(di)(di)了(le)(le)供(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)(gong)應(ying)(ying)(ying)(ying)(ying)(ying)鏈(lian)(lian)(lian)(lian)(lian)(lian)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)整體風(feng)(feng)險(xian)。

四(si)、農商(shang)行供應鏈金融(rong)創新信貸業務的問題(ti)與對(dui)策

（一(yi)(yi)）信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)創新模(mo)式中(zhong)出(chu)(chu)現(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)問題。1.擔(dan)(dan)保(bao)(bao)(bao)制(zhi)度(du)(du)(du)不(bu)(bu)(bu)健全。在(zai)(zai)(zai)(zai)日本、意(yi)大利(li)(li)等發(fa)(fa)(fa)達國(guo)家，中(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)擔(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)構(gou)(gou)在(zai)(zai)(zai)(zai)法律、法規(gui)和(he)(he)(he)(he)擔(dan)(dan)保(bao)(bao)(bao)體(ti)系(xi)(xi)方面比較完(wan)善(shan)(shan)。它們實行(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)是風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)制(zhi)約的(de)(de)(de)(de)(de)(de)(de)(de)共擔(dan)(dan)機(ji)(ji)制(zhi)，即在(zai)(zai)(zai)(zai)銀(yin)(yin)(yin)(yin)行(xing)(xing)和(he)(he)(he)(he)擔(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)構(gou)(gou)之間對(dui)擔(dan)(dan)保(bao)(bao)(bao)的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)進行(xing)(xing)分(fen)配，這樣在(zai)(zai)(zai)(zai)很(hen)大程(cheng)度(du)(du)(du)上減少了(le)擔(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)構(gou)(gou)代償(chang)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)生。從(cong)而能(neng)夠較好的(de)(de)(de)(de)(de)(de)(de)(de)扶持(chi)中(zhong)小(xiao)信(xin)(xin)(xin)用(yong)擔(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)構(gou)(gou)的(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展壯(zhuang)(zhuang)大，然而在(zai)(zai)(zai)(zai)國(guo)內的(de)(de)(de)(de)(de)(de)(de)(de)情況就不(bu)(bu)(bu)是這樣的(de)(de)(de)(de)(de)(de)(de)(de)，信(xin)(xin)(xin)用(yong)擔(dan)(dan)保(bao)(bao)(bao)機(ji)(ji)構(gou)(gou)必須(xu)承擔(dan)(dan)全部的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)，而協(xie)作(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)大多(duo)(duo)數銀(yin)(yin)(yin)(yin)行(xing)(xing)則享受全部的(de)(de)(de)(de)(de)(de)(de)(de)收益。2.核(he)心(xin)(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)不(bu)(bu)(bu)穩定(ding)。在(zai)(zai)(zai)(zai)供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)金(jin)融(rong)中(zhong)，核(he)心(xin)(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)在(zai)(zai)(zai)(zai)供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)中(zhong)占(zhan)有主導地(di)位。供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)本、信(xin)(xin)(xin)息和(he)(he)(he)(he)物(wu)流以核(he)心(xin)(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)為主。一(yi)(yi)旦核(he)心(xin)(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)出(chu)(chu)現(xian)(xian)信(xin)(xin)(xin)用(yong)問題等不(bu)(bu)(bu)穩定(ding)狀況，必然會影(ying)響到(dao)供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)其他企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)。3.風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)責任不(bu)(bu)(bu)明(ming)確。目前，一(yi)(yi)般總(zong)行(xing)(xing)級別的(de)(de)(de)(de)(de)(de)(de)(de)管(guan)(guan)理(li)層雖(sui)然有相(xiang)(xiang)應(ying)(ying)(ying)(ying)的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)部門,但對(dui)供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)金(jin)融(rong)和(he)(he)(he)(he)信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)特(te)點的(de)(de)(de)(de)(de)(de)(de)(de)探(tan)索(suo)有限(xian),總(zong)分(fen)聯動(dong)互動(dong)機(ji)(ji)制(zhi)尚未建(jian)立。就目前來(lai)(lai)看，不(bu)(bu)(bu)能(neng)有效(xiao)地(di)支(zhi)持(chi)各地(di)區業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)發(fa)(fa)(fa)展,需要(yao)適度(du)(du)(du)的(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)權限(xian)下(xia)放到(dao)分(fen)散的(de)(de)(de)(de)(de)(de)(de)(de)分(fen)支(zhi)機(ji)(ji)構(gou)(gou),全面攤薄核(he)心(xin)(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)跨區域管(guan)(guan)理(li),明(ming)確風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)責任,充分(fen)挖掘(jue)核(he)心(xin)(xin)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)上下(xia)游客戶,更(geng)好地(di)支(zhi)持(chi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)發(fa)(fa)(fa)展。（二）解(jie)決信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)創新模(mo)式相(xiang)(xiang)關問題的(de)(de)(de)(de)(de)(de)(de)(de)對(dui)策(ce)。1.完(wan)善(shan)(shan)擔(dan)(dan)保(bao)(bao)(bao)制(zhi)度(du)(du)(du)。因為供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)中(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)資(zi)(zi)(zi)金(jin)不(bu)(bu)(bu)豐(feng)富，償(chang)付(fu)能(neng)力不(bu)(bu)(bu)強，造成了(le)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。在(zai)(zai)(zai)(zai)分(fen)析(xi)掌握現(xian)(xian)金(jin)流量(liang)第一(yi)(yi)還款來(lai)(lai)源(yuan)的(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎上，需要(yao)通(tong)過質(zhi)(zhi)押(ya)擔(dan)(dan)保(bao)(bao)(bao)實現(xian)(xian)第二還款來(lai)(lai)源(yuan)。我們需要(yao)確保(bao)(bao)(bao)擔(dan)(dan)保(bao)(bao)(bao)程(cheng)序，是否嚴格按照法定(ding)程(cheng)序，檢查擔(dan)(dan)保(bao)(bao)(bao)是否被授權，擔(dan)(dan)保(bao)(bao)(bao)合同是否規(gui)范，并盡可(ke)能(neng)爭取(qu)對(dui)銀(yin)(yin)(yin)(yin)行(xing)(xing)有利(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)條(tiao)款。質(zhi)(zhi)押(ya)的(de)(de)(de)(de)(de)(de)(de)(de)選擇(ze)應(ying)(ying)(ying)(ying)以市(shi)場應(ying)(ying)(ying)(ying)收賬款、存(cun)貨質(zhi)(zhi)押(ya)為基(ji)礎，并設定(ding)合理(li)的(de)(de)(de)(de)(de)(de)(de)(de)質(zhi)(zhi)押(ya)率，避(bi)免(mian)市(shi)場風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。此外，銀(yin)(yin)(yin)(yin)行(xing)(xing)應(ying)(ying)(ying)(ying)在(zai)(zai)(zai)(zai)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)可(ke)控的(de)(de)(de)(de)(de)(de)(de)(de)前提(ti)下(xia)，探(tan)索(suo)多(duo)(duo)層次、多(duo)(duo)渠(qu)道(dao)、多(duo)(duo)形(xing)式的(de)(de)(de)(de)(de)(de)(de)(de)擔(dan)(dan)保(bao)(bao)(bao)。2.建(jian)立應(ying)(ying)(ying)(ying)急(ji)處理(li)體(ti)系(xi)(xi)。供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)融(rong)資(zi)(zi)(zi)涉及整個供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)許多(duo)(duo)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)。建(jian)立相(xiang)(xiang)應(ying)(ying)(ying)(ying)的(de)(de)(de)(de)(de)(de)(de)(de)預(yu)警(jing)和(he)(he)(he)(he)應(ying)(ying)(ying)(ying)急(ji)系(xi)(xi)統(tong)對(dui)復雜的(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)系(xi)(xi)統(tong)具有重要(yao)意(yi)義。設置(zhi)一(yi)(yi)套(tao)應(ying)(ying)(ying)(ying)急(ji)預(yu)警(jing)系(xi)(xi)統(tong),第一(yi)(yi)應(ying)(ying)(ying)(ying)制(zhi)定(ding)預(yu)警(jing)指標(biao)，將(jiang)(jiang)指標(biao)完(wan)善(shan)(shan)成為體(ti)系(xi)(xi),將(jiang)(jiang)損(sun)(sun)(sun)失(shi)(shi)直觀地(di)標(biao)明(ming),明(ming)確損(sun)(sun)(sun)失(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)程(cheng)度(du)(du)(du)和(he)(he)(he)(he)范圍。接下(xia)來(lai)(lai),應(ying)(ying)(ying)(ying)提(ti)出(chu)(chu)處理(li)辦(ban)法，遇到(dao)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)應(ying)(ying)(ying)(ying)實施(shi)措(cuo)施(shi)，并提(ti)出(chu)(chu)采取(qu)的(de)(de)(de)(de)(de)(de)(de)(de)降低損(sun)(sun)(sun)失(shi)(shi)程(cheng)度(du)(du)(du)的(de)(de)(de)(de)(de)(de)(de)(de)方法。預(yu)警(jing)系(xi)(xi)統(tong)發(fa)(fa)(fa)出(chu)(chu)預(yu)警(jing)后，應(ying)(ying)(ying)(ying)急(ji)系(xi)(xi)統(tong)應(ying)(ying)(ying)(ying)及時(shi)應(ying)(ying)(ying)(ying)對(dui)突發(fa)(fa)(fa)事(shi)件(jian)和(he)(he)(he)(he)緊急(ji)情況，避(bi)免(mian)對(dui)供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)融(rong)資(zi)(zi)(zi)產(chan)生不(bu)(bu)(bu)利(li)(li)影(ying)響。當信(xin)(xin)(xin)貸(dai)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)達到(dao)預(yu)警(jing)線(xian)時(shi)，銀(yin)(yin)(yin)(yin)行(xing)(xing)應(ying)(ying)(ying)(ying)采取(qu)果斷措(cuo)施(shi)，降低信(xin)(xin)(xin)貸(dai)規(gui)模(mo)或及時(shi)退出(chu)(chu)。3.建(jian)立中(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)體(ti)系(xi)(xi)。應(ying)(ying)(ying)(ying)建(jian)立風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)補(bu)償(chang)基(ji)金(jin)會輔助(zhu)(zhu)銀(yin)(yin)(yin)(yin)行(xing)(xing)信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)順利(li)(li)進行(xing)(xing)。銀(yin)(yin)(yin)(yin)行(xing)(xing)在(zai)(zai)(zai)(zai)準(zhun)(zhun)確評估中(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)信(xin)(xin)(xin)用(yong)的(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎上，準(zhun)(zhun)確把握信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)利(li)(li)潤，以一(yi)(yi)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)利(li)(li)潤率籌集儲備資(zi)(zi)(zi)金(jin)作(zuo)(zuo)為風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)補(bu)償(chang)資(zi)(zi)(zi)金(jin)的(de)(de)(de)(de)(de)(de)(de)(de)來(lai)(lai)源(yuan)，從(cong)而在(zai)(zai)(zai)(zai)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)發(fa)(fa)(fa)生信(xin)(xin)(xin)用(yong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)時(shi)起到(dao)一(yi)(yi)定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)損(sun)(sun)(sun)失(shi)(shi)補(bu)償(chang)作(zuo)(zuo)用(yong)。提(ti)高(gao)中(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)在(zai)(zai)(zai)(zai)一(yi)(yi)定(ding)程(cheng)度(du)(du)(du)上規(gui)范企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)經營的(de)(de)(de)(de)(de)(de)(de)(de)積極性可(ke)以采用(yong)設立專(zhuan)項獎勵基(ji)金(jin),促進中(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)(fa)展壯(zhuang)(zhuang)大,幫(bang)助(zhu)(zhu)中(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)壯(zhuang)(zhuang)大。銀(yin)(yin)(yin)(yin)行(xing)(xing)信(xin)(xin)(xin)貸(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)部門要(yao)總(zong)結實際運作(zuo)(zuo)經驗,形(xing)成有效(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)體(ti)系(xi)(xi),積極探(tan)索(suo)適應(ying)(ying)(ying)(ying)供(gong)(gong)應(ying)(ying)(ying)(ying)鏈(lian)融(rong)資(zi)(zi)(zi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)特(te)點的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)理(li)方法,在(zai)(zai)(zai)(zai)有效(xiao)控制(zhi)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)前提(ti)下(xia),安全地(di)開展融(rong)資(zi)(zi)(zi)。

供應(ying)鏈(lian)(lian)(lian)金(jin)(jin)融信(xin)(xin)貸體系的(de)(de)(de)建(jian)立(li)，可以實(shi)(shi)現銀(yin)(yin)行(xing)(xing)從另一個(ge)(ge)視角分析(xi)和防(fang)范(fan)(fan)風險(xian)(xian)(xian)，從以前的(de)(de)(de)僅僅注重(zhong)單個(ge)(ge)授(shou)信(xin)(xin)企(qi)業(ye)(ye)(ye)，擴大(da)(da)到整(zheng)(zheng)個(ge)(ge)經(jing)(jing)(jing)濟鏈(lian)(lian)(lian)條的(de)(de)(de)整(zheng)(zheng)體風險(xian)(xian)(xian)，大(da)(da)大(da)(da)地降低了(le)(le)針對單個(ge)(ge)企(qi)業(ye)(ye)(ye)的(de)(de)(de)對風險(xian)(xian)(xian)的(de)(de)(de)甄別與防(fang)范(fan)(fan)的(de)(de)(de)局限性，使(shi)得(de)銀(yin)(yin)行(xing)(xing)資(zi)金(jin)(jin)實(shi)(shi)現更(geng)加(jia)安全穩健(jian)的(de)(de)(de)周轉。我(wo)國經(jing)(jing)(jing)濟不(bu)斷發(fa)展(zhan),國內的(de)(de)(de)商業(ye)(ye)(ye)競爭(zheng)(zheng)也在不(bu)斷轉型，不(bu)再(zai)只是(shi)企(qi)業(ye)(ye)(ye)之間(jian)(jian)的(de)(de)(de)競爭(zheng)(zheng)，更(geng)是(shi)這些企(qi)業(ye)(ye)(ye)組成的(de)(de)(de)供應(ying)鏈(lian)(lian)(lian)之間(jian)(jian)的(de)(de)(de)經(jing)(jing)(jing)濟競爭(zheng)(zheng)，企(qi)業(ye)(ye)(ye)與企(qi)業(ye)(ye)(ye)在供應(ying)鏈(lian)(lian)(lian)中間(jian)(jian)相(xiang)互合作相(xiang)互支持(chi)。當前保證經(jing)(jing)(jing)濟鏈(lian)(lian)(lian)條的(de)(de)(de)穩健(jian)高(gao)速發(fa)展(zhan)，已經(jing)(jing)(jing)逐漸進(jin)入政府和金(jin)(jin)融企(qi)業(ye)(ye)(ye)的(de)(de)(de)當中，也成了(le)(le)我(wo)國經(jing)(jing)(jing)濟發(fa)展(zhan)中需要(yao)盡(jin)早(zao)攻克的(de)(de)(de)課題(ti)(ti)，同(tong)時在各大(da)(da)行(xing)(xing)的(de)(de)(de)著重(zhong)推動下供應(ying)鏈(lian)(lian)(lian)金(jin)(jin)融也日益重(zhong)要(yao)起來。因(yin)此(ci)從供應(ying)鏈(lian)(lian)(lian)金(jin)(jin)融取得(de)的(de)(de)(de)效果來看，極大(da)(da)地解決了(le)(le)中小企(qi)業(ye)(ye)(ye)融資(zi)難的(de)(de)(de)問題(ti)(ti)，同(tong)時降低了(le)(le)銀(yin)(yin)行(xing)(xing)資(zi)金(jin)(jin)的(de)(de)(de)安全問題(ti)(ti)，直接地為國家(jia)經(jing)(jing)(jing)濟發(fa)展(zhan)做(zuo)出了(le)(le)貢獻(xian)。

參考文獻：

[1]高德文.供應鏈金融下我國商業銀行信用風險評估與控制研究[D].東北大學碩士論(lun)文,2012.

[2]賈(jia)重悅(yue).我國商業銀行供應鏈金(jin)融(rong)風險控制研究[D].長安大學(xue)碩(shuo)士論文(wen),2013.

[3]王(wang)明(ming)剛.供(gong)應鏈金融(rong)以及在國內應用[J].市場周刊(理論(lun)研究),2013.

[4]程躍玲.我國(guo)商業銀行供應鏈金融業務的營銷(xiao)策略研究(jiu)[D].安徽(hui)大學碩士論文,2013.

[5]孟(meng)麗.基(ji)于供應鏈金融的中小企業(ye)信用風險評價體系(xi)構(gou)建[D].天津理工大學碩士論文,2011.

作(zuo)者:王(wang)一同 單(dan)位:長春師范(fan)大學