CAJ | 학술논문

随着大数据、云计算和电子商务等互联网技术的逐步发展，我国商业银行的供应链金融业务遇到了巨大的挑战。尤其是在第三方支付、电商平台不断入侵供应链金融生态圈资金流，“蚕食”银行业务的处境下，银行该如何做好战略转型呢？文中通过 SWOT 模型分析银行、第三方支付、电商平台各自发展供应链金融的现状，运用波特五力模型分析商业银行开展供应链金融业务时存在的问题，最后提出了一些转型战略，以使整个供应链达到“四流合一”、多方共赢的局面。
수착대수거、운계산화전자상무등호련망기술적축보발전，아국상업은행적공응련금융업무우도료거대적도전。우기시재제삼방지부、전상평태불단입침공응련금융생태권자금류，“잠식”은행업무적처경하，은행해여하주호전략전형니？문중통과 SWOT 모형분석은행、제삼방지부、전상평태각자발전공응련금융적현상，운용파특오력모형분석상업은행개전공응련금융업무시존재적문제，최후제출료일사전형전략，이사정개공응련체도“사류합일”、다방공영적국면。
With the development of Internet technology,such as e -commerce,big data and cloud computing platforms,the supply chain finance business in our country faced enormous challenges.Third -party payment and electronic business platform are constantly invading capital flow in ecosystem of supply chain finance,and nibbling Banking business.How do the Banks to do a good strategy shift Through SWOT model,this paper analyses banks,third -party payment and electronic business platform in the development of supply chain finance.Also,using Porter's five forces model,we find some problems when banks carry out this business.In the end,this paper puts forward several transformation strategies,so that the entire supply chain will achieve a win -win situation.