as the new pandemic spreads around the world, its impact on the global economy and finance is becoming more profound. on the one hand, since globalization, the world's major economies have been closely linked through the organization of supply chains. on the other hand, the accumulation of uncertainties in recent years, such as global overcapacity, excessive global debt, geopolitical disputes, and global economic weakness, has already left the global economy vulnerable. when a new outbreak shuts down a local region or industry, the risk will be transmitted to the whole world through the supply chain, and the impact of the new outbreak on the global economy and finance will be more far-reaching due to the addition of other uncertainties accumulated in recent years. the external dependence of the chinese economy is still around 30%. the impact on the international market will inevitably affect china's imports and exports, as well as the overall financial stability of china.
from the micro point of view, the enterprise is faced with the shortage/uncertainty of demand, the rapid deterioration of cash flow, the difficulty in logistics, the difficulty in purchasing raw materials, the difficulty in adjusting production capacity and production cost, the difficulty in organization coordination, the difficulty in information communication, the difficulty in employment and so on. if any problem is not solved, enterprises will collapse, and small and medium-sized enterprises are especially vulnerable.
among them, the money is small and medium-sized enterprises face a big problem, the government also introduced a policy to give a lot of financial support of small and medium-sized enterprises, including encouraging reasonable extension, renew loans, decrease the interest rate, to reduce the price, risk compensation, discount for support, encourage the development of products suitable for small and medium-sized enterprises, innovative services, online, etc.
under the circumstance that enterprises are in urgent need of financial support and the country repeatedly demands, but at the same time the financial risks are greatly increased, what is the attitude of those representative financial institutions and loan support institutions that are committed to serving smes? how to deal with the financing needs of customers? what are the requirements for financing customers? how might future product and risk controls be adjusted? how to judge the true utility of fintech? what specific demands do you have on government departments and regulatory departments?
in order to understand these problems, china supply chain strategy management research center, renmin university of china, the china federation of logistics and purchasing, logistics and supply chain financial branch, supply chain finance research institute and the zhongguancun financial industry development of science and technology union jointly sponsored research, aimed at a comprehensive understanding of financial institutions with the help of supply chain finance credit agencies for the real idea of service for small and medium-sized enterprises, and from the perspective of perfecting the financial ecological management of supply chain development suggestions are put forward.
from the perspective of improving the ecological governance of supply chain finance, the report puts forward five suggestions, which are as follows:
to form a supply chain finance ecological structure with the interaction of multiple parties;
to form a reliable, relevant and effective supply chain financial management system;
to form the financial behavior of supply chain with clear rules;
establish a reasonable and clear system environment for supply chain finance;
we will improve the financial order of the supply chain, in which diversified financial services and controllable risks run side by side.
source: sina finance and economics