It means that banks provide customers (core enterprises) with settlement and wealth management services such as financing, and at the same time provide convenience for suppliers of these customers to receive loans in time, or provide advance payment and inventory financing services for their distributors. (Simply put, it is a financing mode in which banks link core enterprises with upstream and downstream enterprises to provide flexible financial products and services. )
The financing mode of supply chain finance is as follows:
1, Ali mode;
2. Industry information portal mode;
3. Software company model;
4. Logistics company model;
5. Traditional leading enterprise model.
Extended data:
Benefits of supply chain finance
1, a new financing channel for enterprises
Supply chain finance provides a solution to the concept and technical bottleneck of SME financing, and the SME credit market is no longer out of reach.
Supply chain finance began to enter the sight of many large enterprise finance directors. For them, supply chain finance, as a new financing channel, not only helps to make up for the traditional liquidity loan quota compressed by banks, but also reduces their liquidity demand level through the introduction of financing facilities by upstream and downstream enterprises.
Due to the intensification of industrial chain competition and the strength of core enterprises, credit sales account for a considerable proportion in supply chain settlement. Credit sale has become the most extensive payment condition for enterprises. On the one hand, the existence of a large number of accounts receivable caused by credit sales makes small and medium-sized enterprises have to face the risk of insufficient liquidity, and the capital chain of enterprises is obviously tight;
On the other hand, as the potential capital flow of enterprises, the information management, risk management and utilization of accounts receivable are becoming more and more important to enterprises.
Under the new situation, revitalizing enterprise accounts receivable has become an important way to solve the financing problem of small and medium-sized enterprises in supply chain. Some commercial banks have made fruitful innovations in this field, and China Merchants Bank's latest online A/R and A/P management system and online domestic factoring system are one of the innovations that have attracted much attention.
According to the person in charge of the cash management department of China Merchants Bank Head Office, the system can provide comprehensive, transparent and fast electronic accounts receivable management services and domestic factoring business solutions for suppliers and buyers in supply chain transactions, greatly simplifying the complicated operation processes faced by traditional factoring business operations, especially helping to optimize the confirmation of creditor's rights transfer when buyers and sellers live in different places and help enterprises quickly obtain urgently needed funds.
2. New channels for banks to open sources
Supply chain finance provides a new channel for cutting into and stabilizing high-end customers. Through a package solution for the members of the supply chain system, the core enterprises are "bound" to the banks that provide services.
The main reason why supply chain finance attracts international banks so much is that it is more profitable than traditional business and provides more valuable opportunities to strengthen customer relations. In the context of the financial crisis, the above reasons are more sufficient.
The potential market of supply chain finance is huge. According to UPS's estimation, the stock of accounts receivable in the global market is about $ 654.38+0.3 trillion, while the market potentials of accounts payable discount and asset-backed loans (including inventory financing) reach $65.438+000 billion and $340 billion respectively.
People from China Merchants Bank said that under the service and risk consideration mode of supply chain finance, because banks pay more attention to the trade risks of the whole supply chain, the evaluation of overall trade will include more SMEs in the service scope of banks.
Even if a single enterprise can't meet some risk control standards of the bank, as long as the business between the enterprise and the core enterprise is stable, the bank can not only conduct independent risk assessment on the financial situation of the enterprise, but also grant credit to this business to promote the realization of the whole transaction.
3. Significant economic and social benefits.
Equally important, the economic and social benefits of supply chain finance are outstanding. With the help of the "group purchase" development model and the innovation of risk control means, the income-cost ratio of SME financing has been improved, and it shows obvious economies of scale.
According to statistics, with the help of supply chain financial solutions, the largest 65,438+0,000 enterprises in the United States reduced their liquidity demand by $72 billion in 2005 through the improvement of collection methods, inventory revitalization and deferred payment.
Similarly, in 2007, the largest 65,438+0,000 listed companies in Europe earned 46 billion euros from accounts receivable, accounts payable and inventory.
4. Supply chain finance realizes multi-stream integration.
Supply chain finance has well realized the integration of logistics, business flow, capital flow and information flow.
Baidu encyclopedia-supply chain finance