1. Supply chain finance is an important starting point for promoting supply-side structural reform.
At present, China's economy has shifted from a high-speed growth stage to a high-quality development stage. The mode of economic growth pays more attention to balanced development and structural optimization, and pays more attention to realizing the dynamic balance of supply and demand structure at a higher level. Through cross-border integration and coordinated development, supply chain finance reshapes the context and nerves of the market economy, opens up all links from procurement to production, circulation and consumption, realizes the matching between supply and demand, and promotes cost reduction and efficiency improvement, which is of great significance to promoting high-quality economic development and has become an important starting point for promoting supply-side structural reform.
2. Supply chain finance is an important breakthrough to solve the financing problem of SMEs.
Focusing on the core enterprises, evaluating the overall credit of all members of the supply chain and lowering the financing threshold of small and medium-sized enterprises are effective means to solve the financing problems of small and medium-sized enterprises, reduce financing costs and reduce supply chain risks.
3. Financial technology provides strong support for the innovative development of supply chain finance.
With the rapid development of information technology, big data, cloud computing, artificial intelligence, blockchain, Internet of Things and other technologies have gradually penetrated into supply chain finance, helping the development of supply chain finance by improving efficiency, risk control level and service experience.
First, financial technology has greatly improved operational efficiency. Financial technology efficiently connects the supply and demand sides, transmits information quickly and improves cooperation efficiency. At the same time, through the online management of supply chain finance, the cumbersome offline approval process can be avoided and the approval efficiency can be improved;
Second, financial technology improves the level of risk control. Financial technology makes the risk control process standardized, online and modular, reduces information asymmetry, and carries out multi-dimensional customer risk portraits by integrating customer credit information, industry and commerce, taxation and other data to strengthen the risk management capabilities of financial institutions; The third is financial technology to enhance the service experience. Financial technology promotes the change of credit reporting method from credit reporting to actual transaction, and realizes rapid credit granting. At the same time, big data technology deeply explores customer needs and realizes customized services for customers.
Supply chain finance is developing towards intelligence, specialization and whole process.
First, it is highly integrated with information technology to promote intelligent transformation. With the intelligentization of supply chain, supply chain finance shows a trend of high integration with information and communication technology. Technologies such as big data, cloud computing, artificial intelligence, blockchain and Internet of Things are driving the transformation of supply chain operation.
The second is to focus on key sub-sectors and conduct precise management. Because different industries have different profit models, capital requirements, periodicity and supply chain financial management models, only by continuing to go deep into key sub-sectors and making professional analysis and judgment on industry attributes and characteristics can participants fully understand the operating conditions of customers, grasp the pain points and needs in customer management, effectively grasp the risks in each link, and provide tailor-made supply chain financial products and services for enterprises. In the future, all participants in supply chain finance will focus on key sub-sectors and carry out professional management.
The third is to establish a deep information alliance and carry out full-service services. Various supply chain financial service entities will integrate data nodes such as e-commerce, payment, logistics, banking, taxation and customs through the Internet and blockchain technology, build a cross-industry, cross-departmental and cross-regional platform, and establish deep alliances with governments and industry associations to break the "information island". At the same time, by gradually clarifying the transaction boundaries of each subject of supply chain finance, standardized management such as transaction interface standardization, transaction contract standardization and transaction process standardization is carried out to ensure efficient data exchange and truly realize the whole process service of supply chain finance.