近年來，隨著銀(yin)行(xing)業(ye)市場競爭的(de)(de)加劇以及傳統供(gong)應鏈(lian)(lian)(lian)金(jin)(jin)融(rong)模式(shi)局(ju)限性(xing)(xing)(xing)的(de)(de)逐(zhu)步顯現(xian)，一種(zhong)結合實體經濟特性(xing)(xing)(xing)和產業(ye)發展趨向，并在此基礎上(shang)深入挖掘產業(ye)金(jin)(jin)融(rong)價(jia)值的(de)(de)全產業(ye)鏈(lian)(lian)(lian)金(jin)(jin)融(rong)模式(shi)悄然出現(xian)，開(kai)始受到關(guan)注和重(zhong)視。全產業(ye)鏈(lian)(lian)(lian)金(jin)(jin)融(rong)是指商業(ye)銀(yin)行(xing)作為(wei)產業(ye)類的(de)(de)經營方參與到產業(ye)鏈(lian)(lian)(lian)中，通過(guo)對產業(ye)的(de)(de)深入研究，實現(xian)產業(ye)鏈(lian)(lian)(lian)參與方的(de)(de)橫向聯盟，并針對產業(ye)鏈(lian)(lian)(lian)各個(ge)環(huan)節(jie)上(shang)企(qi)業(ye)需求(qiu)(qiu)進行(xing)準確(que)定位(wei)和切入，設計兼(jian)顧個(ge)性(xing)(xing)(xing)化需求(qiu)(qiu)與標準化要求(qiu)(qiu)的(de)(de)金(jin)(jin)融(rong)服(fu)務產品，全方位(wei)地為(wei)產業(ye)鏈(lian)(lian)(lian)條上(shang)的(de)(de)多個(ge)企(qi)業(ye)提(ti)供(gong)綜合化、復合式(shi)的(de)(de)金(jin)(jin)融(rong)服(fu)務，從而實現(xian)整個(ge)產業(ye)鏈(lian)(lian)(lian)不斷(duan)增值的(de)(de)金(jin)(jin)融(rong)服(fu)務模式(shi)。
產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)金融(rong)(rong)(rong)(rong)的理念并不是(shi)(shi)新(xin)鮮(xian)事物(wu)，在很多年以(yi)前一些商業(ye)(ye)(ye)(ye)(ye)銀行就已經(jing)提出了產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)金融(rong)(rong)(rong)(rong)的概(gai)念。產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)金融(rong)(rong)(rong)(rong)是(shi)(shi)目前解(jie)決中小企(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)資(zi)需(xu)求最好(hao)的方(fang)式之(zhi)一。中小企(qi)業(ye)(ye)(ye)(ye)(ye)業(ye)(ye)(ye)(ye)(ye)務在保證風(feng)險(xian)控(kong)制(zhi)和銀行收(shou)益上很難找到方(fang)法，而產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)金融(rong)(rong)(rong)(rong)則(ze)只需(xu)要訂(ding)單等(deng)，不需(xu)要抵押(ya)、質(zhi)押(ya)和擔保，既能控(kong)制(zhi)風(feng)險(xian)，又(you)能降低(di)成本。首(shou)先，產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)金融(rong)(rong)(rong)(rong)實際上是(shi)(shi)結構化融(rong)(rong)(rong)(rong)資(zi)，把整個產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)作為(wei)統籌考慮，這(zhe)是(shi)(shi)系統化統籌風(feng)險(xian)控(kong)制(zhi)，與傳統的一對一融(rong)(rong)(rong)(rong)資(zi)不同；其(qi)次，產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)金融(rong)(rong)(rong)(rong)是(shi)(shi)基于貿易(yi)的資(zi)產(chan)(chan)(chan)(chan)支持型融(rong)(rong)(rong)(rong)資(zi)，很多融(rong)(rong)(rong)(rong)資(zi)基礎一是(shi)(shi)貿易(yi)背景支持，二是(shi)(shi)由(you)應收(shou)賬款、預收(shou)賬款、存貨等(deng)流(liu)動資(zi)產(chan)(chan)(chan)(chan)等(deng)來盤活融(rong)(rong)(rong)(rong)資(zi)，還(huan)款對象有保證，信息流(liu)、資(zi)金流(liu)和物(wu)流(liu)等(deng)也(ye)有控(kong)制(zhi)。
從多(duo)元化分析的(de)角度來(lai)展開，產業鏈(lian)金(jin)融應該(gai)可以(yi)細分為(wei)三個子鏈(lian)條(tiao)，即：供應鏈(lian)、需求鏈(lian)、金(jin)融產業鏈(lian)。從動(dong)態(tai)化管理角度來(lai)制定策略，就是要將上述的(de)三個鏈(lian)條(tiao)形成有機的(de)互動(dong)互促(cu)。
中(zhong)(zhong)國(guo)互(hu)聯(lian)網金(jin)(jin)(jin)融行業協會會長宏(hong)皓(hao)是一位*的金(jin)(jin)(jin)融專(zhuan)(zhuan)家(jia)(jia)，在(zai)如何(he)運用產業鏈金(jin)(jin)(jin)融更是輕(qing)車熟(shu)路并有自己(ji)獨大的見(jian)解(jie)。宏(hong)皓(hao)是中(zhong)(zhong)國(guo)金(jin)(jin)(jin)融智庫的首席金(jin)(jin)(jin)融學家(jia)(jia)、融資專(zhuan)(zhuan)家(jia)(jia)、財富管理(li)專(zhuan)(zhuan)家(jia)(jia)，*財經(jing)(jing)大學證券期貨研究所(suo)研究員(yuan)(yuan)，北京交通(tong)大學客座教授、政府、上(shang)市(shi)公(gong)司金(jin)(jin)(jin)融顧問，中(zhong)(zhong)經(jing)(jing)產業基金(jin)(jin)(jin)理(li)事會秘書(shu)長，央視(shi)網財經(jing)(jing)評論員(yuan)(yuan)。
宏皓教(jiao)授(shou)(shou)(shou)(shou)是(shi)對企業(ye)、政府、銀行、家(jia)(jia)庭講(jiang)(jiang)授(shou)(shou)(shou)(shou)金(jin)(jin)(jin)融(rong)(rong)全產業(ye)鏈綜合課程第一人，是(shi)全國(guo)EMBA、總裁班開(kai)班第一節課*主(zhu)講(jiang)(jiang)人，是(shi)講(jiang)(jiang)授(shou)(shou)(shou)(shou)民間金(jin)(jin)(jin)融(rong)(rong)轉型升級國(guo)內*專(zhuan)家(jia)(jia)，是(shi)講(jiang)(jiang)授(shou)(shou)(shou)(shou)房地產企業(ye)轉型發展第一人，是(shi)目前企業(ye)投融(rong)(rong)資(zi)管理和資(zi)本運作(zuo)課程*權威的(de)(de)(de)(de)教(jiao)授(shou)(shou)(shou)(shou)，也是(shi)國(guo)內目前*給銀行高管講(jiang)(jiang)授(shou)(shou)(shou)(shou)金(jin)(jin)(jin)融(rong)(rong)創新轉型升級以及互聯網金(jin)(jin)(jin)融(rong)(rong)課程的(de)(de)(de)(de)實戰(zhan)專(zhuan)家(jia)(jia)。宏皓教(jiao)授(shou)(shou)(shou)(shou)在中(zhong)國(guo)的(de)(de)(de)(de)金(jin)(jin)(jin)融(rong)(rong)市(shi)場奮戰(zhan)二(er)十多年(nian)，從學者到(dao)投資(zi)大師宏皓教(jiao)授(shou)(shou)(shou)(shou)經歷過(guo)金(jin)(jin)(jin)融(rong)(rong)市(shi)場的(de)(de)(de)(de)起起落落，練就(jiu)了卓越的(de)(de)(de)(de)膽識和睿智(zhi)的(de)(de)(de)(de)眼光。二(er)十多年(nian)一路走來，以其穩健、扎(zha)實的(de)(de)(de)(de)理論(lun)基礎和豐富的(de)(de)(de)(de)實踐經驗(yan)造福于企業(ye)，為企業(ye)解決(jue)具(ju)體的(de)(de)(de)(de)問題，每(mei)年(nian)要去上百(bai)個(ge)城(cheng)市(shi)與(yu)數百(bai)名企業(ye)家(jia)(jia)面對面答疑解惑。
宏(hong)皓教(jiao)授(shou)深(shen)知中(zhong)(zhong)(zhong)國(guo)(guo)(guo)經(jing)濟的(de)(de)(de)問題所在，深(shen)知中(zhong)(zhong)(zhong)國(guo)(guo)(guo)企業(ye)(ye)的(de)(de)(de)難點，中(zhong)(zhong)(zhong)國(guo)(guo)(guo)有(you)了宏(hong)皓教(jiao)授(shou)這(zhe)樣的(de)(de)(de)實踐經(jing)驗豐富，理論知識深(shen)厚的(de)(de)(de)金融大(da)師(shi)可(ke)以說是中(zhong)(zhong)(zhong)國(guo)(guo)(guo)企業(ye)(ye)之幸。宏(hong)皓教(jiao)授(shou)的(de)(de)(de)這(zhe)種(zhong)孜孜不倦的(de)(de)(de)精神，注定(ding)了不平凡(fan)的(de)(de)(de)人生(sheng)道路，肩負(fu)起(qi)歷史賦予的(de)(de)(de)重(zhong)任，產業(ye)(ye)鏈(lian)金融是一個創新的(de)(de)(de)詞語，中(zhong)(zhong)(zhong)國(guo)(guo)(guo)大(da)多數(shu)金融專(zhuan)家對此還(huan)有(you)深(shen)入的(de)(de)(de)研究，但是宏(hong)皓教(jiao)授(shou)幾十年的(de)(de)(de)實戰經(jing)驗使得(de)很快的(de)(de)(de)融入到這(zhe)片新的(de)(de)(de)產業(ye)(ye)中(zhong)(zhong)(zhong)。
宏(hong)皓教(jiao)授創建了中(zhong)(zhong)國(guo)人自己的(de)金融(rong)投(tou)資(zi)理論。是(shi)中(zhong)(zhong)國(guo)金融(rong)行業里(li)*影響力(li)的(de)金融(rong)實戰專(zhuan)家(jia)。著(zhu)有(you)《融(rong)資(zi)決定(ding)成敗(bai)》、《中(zhong)(zhong)國(guo)未(wei)來經濟(ji)模式互(hu)聯(lian)網金融(rong)如何助(zhu)推中(zhong)(zhong)國(guo)經濟(ji)轉(zhuan)型升級》等(deng)24部著(zhu)作(zuo)(zuo)，是(shi)國(guo)內在金融(rong)領域出版著(zhu)作(zuo)(zuo)貢獻最(zui)多，受眾面(mian)最(zui)廣(guang)的(de)金融(rong)投(tou)資(zi)專(zhuan)家(jia)。
宏皓教授表(biao)示，供(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)金(jin)融(rong)是(shi)互聯網金(jin)融(rong)的(de)(de)一(yi)種產(chan)品。未(wei)來的(de)(de)電商之間(jian)的(de)(de)競(jing)(jing)(jing)爭(zheng)(zheng)是(shi)整(zheng)條供(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)的(de)(de)競(jing)(jing)(jing)爭(zheng)(zheng)，誰(shui)在(zai)供(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)運轉上更具效力，誰(shui)就(jiu)可(ke)以占據先機，而(er)通(tong)過供(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)金(jin)融(rong)在(zai)電商行業(ye)的(de)(de)創新應(ying)(ying)(ying)用(yong)，通(tong)過資金(jin)流帶動(dong)整(zheng)個(ge)鏈(lian)(lian)(lian)條向前流動(dong)，從而(er)實現供(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)的(de)(de)整(zheng)合。產(chan)業(ye)鏈(lian)(lian)(lian)金(jin)融(rong)服(fu)務(wu)(wu)有效解決了(le)企(qi)業(ye)融(rong)資難和(he)(he)供(gong)應(ying)(ying)(ying)鏈(lian)(lian)(lian)失衡的(de)(de)問題，對提(ti)升產(chan)業(ye)鏈(lian)(lian)(lian)整(zheng)體(ti)競(jing)(jing)(jing)爭(zheng)(zheng)力起(qi)到(dao)了(le)有效的(de)(de)促進作用(yong)，同(tong)時降低(di)了(le)產(chan)業(ye)鏈(lian)(lian)(lian)的(de)(de)成本(ben)和(he)(he)風險(xian)，為廣大企(qi)業(ye)客戶提(ti)供(gong)了(le)完善的(de)(de)金(jin)融(rong)產(chan)品服(fu)務(wu)(wu)和(he)(he)融(rong)資渠(qu)道(dao)。要想讓(rang)產(chan)業(ye)鏈(lian)(lian)(lian)金(jin)融(rong)得(de)到(dao)真正的(de)(de)發展，完成從理念的(de)(de)創造到(dao)理念的(de)(de)實現，應(ying)(ying)(ying)該以多元化分析和(he)(he)動(dong)態化管理的(de)(de)角度(du)去將(jiang)產(chan)業(ye)鏈(lian)(lian)(lian)金(jin)融(rong)思想植入到(dao)經(jing)營過程中。
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