Supply chain finance serves most small and medium-sized enterprises. In the era of enterprise informatization, supply chain informatization and ERP popularization, it is usually carried out around a core enterprise and injected into the ERP of large manufacturing enterprises or the supply chain management information system of commodity circulation enterprises. Because the core enterprises have a high level of credit advantage, they can integrate information flow, logistics and capital flow in the supply chain by relying on informationization, and can provide chain enterprises with all-round supply chain financing and integrated supply chain logistics services. Then, the following is the design and optimization analysis of supply chain financial products that I bring to you. Welcome to read and browse.
1. The optimization of bank products urgently needs the innovation of combining industry with finance.
The industrial Internet platform can complement the capital flow, logistics and information flow of banks, enterprises and logistics services, and even condense the industrial supply chain operation ecosystem on the platform, thus easily obtaining big data of the whole industry, thus greatly reducing the cost and finally achieving a win-win situation. Therefore, the multi-party division of labor and cooperation among banks, Internet platform parties and platform ecosystem is the basic principle to ensure that supply chain finance can adapt to market demand and innovate and develop.
2. Research on basic financing products in bank supply chain finance? Internet plus? optimize
Supply chain financing products provided by banks are the core content of supply chain financial services. In daily practice, banks will look at the characteristics of credit risk and provide financing solutions for enterprises. In principle, bank wealth management products are mainly divided into three categories: inventory wealth management, accounts receivable wealth management and accounts payable or prepayments wealth management.
Accounts receivable financing products. For this wealth management product, the basic requirements of risk control are: to set up an account supervised by the bank, and when signing the supply and marketing contract, it must be agreed that the debtor will input the payment into the account, and payment by other means is not allowed. In the operation steps of such wealth management products, banks should focus on the payment reputation of the debt payer and whether there is a record of refusal to pay for overdue payment; Confirm that the accounts receivable are true; But also need to monitor the payment in real time. Through the above requirements, product buyers usually have to go through the credit evaluation of banks and be confirmed as qualified enterprises. Financing enterprises can get the financing they need. In addition, in order to further reduce risks, banks sometimes need enterprises to provide guarantee documents such as payment commitment letters and accounts receivable certificates. Obviously, there will be considerable risks in collecting such information offline, while on the supply chain platform, the information and data will be complete and transparent, making it easier to control the risk of accounts receivable financing.
Inventory financing products. In view of this kind of financing, risk control banks usually do the following: in order to ensure that the mortgaged goods can be monitored by banks in real time, the storage and transportation of the traded goods should be discussed and agreed among banks, buyers and sellers, and they should also cooperate with the fourth party in special periods and use the reference opinions of the fourth party. This method is different from accounts receivable financing products, because banks can lower the other party's credit evaluation requirements at this time and only need to pay attention to goods, which is the usual operation method of inventory financing products. In the era of Internet and Internet of Things, intelligent warehousing logistics network can realize the platform supervision of warehousing goods, which can greatly improve the service scope and operational efficiency of such financing products.
Early repayment of wealth management products. Compared with the previous financing mode, the ownership of prepaid financing products is quite clear and intuitive. It is in this mode that goods directly go from the seller to the buyer. In view of this kind of financing, banks that control risks take the following measures: banks, buyers, sellers and regulatory agencies, such as third-party logistics, need to sign contracts with each other to specify the delivery time of goods, banks will assist in purchasing by means of credit, and the ownership of goods will remain in banks until the buyers pay enough to repay bank loans and interest. However, because the core of this scheme is the pledge, there is no need to evaluate the buyer's credit under this financing scheme. However, in order to minimize the risk, banks will let the seller and other core enterprises bear the responsibility of repurchase the pledged balance, which is the operating characteristics of this kind of financing banks. It can be predicted that on the basis of supply chain platformization, due to the existence of agile supply chain, especially the promotion and popularization of C2M, a sales-to-production model, and especially the rise of big data precision marketing model, the risk control constraints of such financing products will be greatly liberated, thus erupting great adaptability.
3. Optimized combination and innovation of big data risk control and supply chain financing products
The bank's design and positioning of financing products in the supply chain closely match the financial risks of all supply chains. In order to improve the security of credit granting, the premise of these products is to hope that the supply chain operation is in the ideal state agreed by financing products, which actually requires funds to operate in a relatively closed and safe environment, which must also present reliable, real and visual characteristics to banks, which is the advantage of industrial Internet and supply chain platform. The stronger the platform that financing enterprises rely on in the supply chain, the more effective, transparent and reliable the big data on the platform, the higher the credit rating, and the second kill on the platform if there are violations. In this way, enterprises on the platform can have higher financing credit, get financing at any time in the closed loop of the platform to improve the liquidity of their own assets, and get more profits through high-speed capital turnover rate, so as to repay borrowed funds with sales profits faster and better. Because the supply chain platform can integrate the whole industry ecology, big data reflects the real operation of the whole industry, as well as the credit, credit enhancement, loan, use, risk control, punishment and repayment of funds. Top-heavy? Constraints, thus greatly expanding the scope of financing service customers. Moreover, in the bank's view, it can not only obtain a large number of reliable and credible customers at one time through the supply chain platform, but also supervise the loan use process, ensure payment, and minimize the financing risk of the platform, thus achieving a win-win situation between the bank and the platform and even an ecological win-win situation for many parties. Therefore, the combination innovation of big data risk control and supply chain financing products will be the mainstream of financial innovation in the future industrial Internet platform.
;