under the overall environment of economic downturn, the problem of difficult and expensive financing for enterprises has become increasingly prominent. fortunately, supply chain finance, as an important way to alleviate financing problems, has shown strong vitality under the inspiration of the new era.
in recent years, with the continuous optimization of the policy environment, financial technology mature gradually, supply chain finance business booming, through cross-border integration and coordinated development, become to promote supply side structural reform, deciphering the financing difficulties of small and medium-sized enterprises financing your key problems, the main body to carry out the relevant business, supply chain finance flexible application in different areas, different scenarios.
the innovation of supply chain finance is continuous
throughout the development of supply chain finance, its application in the financial field has a long history, and financial institutions have become one of the earliest layout of the main body. commercial banks are the main capital providers of supply chain finance in china. in the early stage of development of supply chain finance business, market share occupies a dominant position. at present, commercial banks generally regard supply chain finance as an important strategic direction and business growth point, and have poured a lot of high-quality resources into it, making positive progress in business development.
according to the search found that industrial and commercial bank, china minsheng bank, ping an bank, bank of jiangsu, zhejiang bank and other banks have been in force supply chain finance business; at the same time, a number of city banks, such as the bank of nanjing, the bank of guiyang, also began to supply chain finance as an important business to promote. from large state-owned banks to joint-stock commercial banks, supply chain finance has been a tempting cake.
analyzing the layout of financial institutions in supply chain finance, it is easy to find that large state-owned banks have steadily increased their business scale by virtue of their core enterprise resources. joint-stock commercial banks actively layout supply chain finance, business development has its own characteristics. at the same time, when different banks cooperate with different types of enterprises in the supply chain finance business, their innovative methods and models have aroused the in-depth research of many insiders.
taking ping an bank as an example, as the first commercial bank named after an insurance brand in china, the supply chain finance of ping an bank has prominent characteristics.
in recent years, with the exception of refinancing, spot online in advance, the core of collaborative online supply chain financial products, such as abundant pingan bank also through cooperation with supply chain collaboration platform to launch business credit supply, to be a partner with the customs payment platform, forwarding freight credit, to be a partner with large enterprise b2b platform purchase free credit, and other forms of cooperation promote financial products of different types of supply chain, the supply chain finance business is a shift from the traditional bank lending business based on organizational ecology supply chain finance, which is one of supply chain finance development trend, namely the innovation service the real economy.
in the future, more financial institutions will carry out innovative supply chain finance business in more fields, demonstrating the more flexible and more dynamic characteristics of supply chain finance.
a hundred flowers of supply chain finance has been omni-directional layout
if supply chain finance is initially a "game" of financial institutions, with the increasing scale of financing and the continuous innovation of demand model, more and more industrial giants begin to join the players of supply chain finance, thus giving birth to new supply chain finance models and scenarios.
internet technology companies, supply chain service companies, logistics companies, b2b e-commerce companies, fintech companies, and supply chain core enterprises have gradually deepened their distribution of supply chain finance. with their unique advantages, different types of enterprises have blazed a distinctive development path of fund supply in all sectors.
in december 2019, the construction machinery industry in the first financial supply chain service platform, a trinity "golden ticket" supply chain service platform was put into operation, the platform developed by sany group, "golden ticket" platform and the trinity of gsp supplier management system, the ap payment business system has realized the cross-platform data sharing, cross system, such as the supply chain moved to the whole flow of online payment and financing. the application of supply chain finance in the field of construction machinery has made a new breakthrough.
in the pharmaceutical field, china's four largest pharmaceutical distribution enterprises (sinopiate holding, china resources pharmaceutical, shanghai pharmaceutical, and kyushutong pharmaceutical) have all carried out the layout of supply chain finance. taking sinopiate as an example, the financial products of sinopiate financial leasing are relatively diversified, including financial leasing, commercial factoring, industrial operation and other sectors.
and the chemical industry supply chain finance layout is also quite bright. focus on supply chain services in the field of chemical industry for more than ten years of easter will make the supply chain finance "league chain", the new industrial chain financing model based on core enterprise (east) will the body of the credit as the backing, the financial institutions, east will, the supply chain upstream and downstream enterprise services such as enterprise as union link into the node and make the business involved in the whole process of all data on the chain, let every business transparent, supply chain in the chain of business flow, logistics, information flow, capital fourth-rate one credit closed loop, achieve mutual "" data.
in addition to finance, logistics, science and technology and other common areas, supply chain finance with its unique advantages gradually in the retail, petrochemical and other areas of "branch and branch", showing different levels of development, different depths. by thousands of union supply chain finance institute issued the white paper on china supply chain financial innovation practice (2019), we can see its built in shanghai electric power, and natural world, huaneng, jiangsu cross-border, temi medical, looking for 23 come from all walks of life such as lead network of supply chain finance innovation practice case - it's not hard to find, supply chain finance is like a piece of flexible network, attached to the industry, with the attitude of light as the lifeline of the development of the industry to ensure the appropriate temperature, and the net the breadth and depth of the applicable industry, are amazing!
with the promotion of internet of things, big data, cloud computing, artificial intelligence, block chain and other technologies, the application of supply chain finance is moving towards a more subdivided, more accurate, more professional direction, and the trend of wisdom and technology has gradually become an irresistible trend. the supply chain finance featuring various talents and flowers will usher in a great outbreak.
as the context of social economy, the financial supply chain links the core enterprise and upstream and downstream enterprises, integrate and optimize the cash flow, logistics and information flow, not only effectively reduce the communication cost between financial institutions and small micro enterprise, and increase the financial institutions to small micro enterprise financing service enthusiasm, improve the operation efficiency of the whole supply chain and value. compliance, flexible and efficient use of supply chain finance is beneficial to the development of enterprises, society and market economy.
we have reason to believe that with the continuous improvement of financing policy, the competition layout of supply chain finance players, and the "let a hundred flowers bloom" of all industries, the development of supply chain finance will continue to expand the territory and usher in a new future!
source: flush finance