Introduction: Logistics finance and supply chain finance have expanded the imagination of logistics development and brought new income-generating channels for logistics enterprises. For example, the main source of income of internationally renowned logistics giants Maersk and UPS is logistics financial services.
Take UPS as an example, its logistics financial services focus on three links: warehousing pledge, payment on behalf of customers and payment recovery. At the same time, due to the establishment of its own financial institutions, UPS can provide customers with more professional and convenient financial and logistics services, and on this basis, develop more high value-added supply chain financial products.
In China, because non-financial institutions are not qualified to operate financing business, supply chain finance is the operating mode dominated by financial institutions such as banks, and logistics enterprises are in a subordinate position. Specific supply chain financial products and services include: real estate pledge financing, payment recovery, confirmed warehouse, financing warehouse, land warehouse, prepayment, warehouse receipt and bill of lading pledge, fund pool financing, factoring, etc.
Although in a subordinate position, logistics enterprises also have irreplaceable value in supply chain finance. Taking the popular confirmed warehouse business as an example, banks generally favor their designated logistics enterprises to supervise the pledge of goods; Logistics enterprises can benefit from this service in logistics operation, goods evaluation, pledge supervision and so on. At the same time, logistics enterprises, as partners of banks, can also build competitive barriers and build core competitiveness.
However, there are obviously not many logistics enterprises such as China Storage and Transportation, Sinotrans and COSCO that can reach a cooperative relationship with banks and thus have the opportunity to undertake pledge supervision business. Especially for many small and medium-sized logistics enterprises, it is difficult to meet the requirements of banks for logistics partners in terms of scale, qualification, network and management.
From a deeper perspective, if small and medium-sized logistics enterprises want to share a share in the supply chain financial model, the key is to solve the credit problem and improve their credit level through various channels. For example, at present, many logistics real estate enterprises not only set up bonded logistics centers, but also actively set up logistics parks in various cities, and these logistics parks often have diversified functional positioning and comprehensive service capabilities, such as regional distribution centers (RDC), express transshipment centers, transportation collection stations, stowage service departments, after-sales parts centers, VMI centers, urban distribution centers, futures logistics, exhibition centers, information services and auxiliary services.
If small and medium-sized logistics enterprises can cooperate with the logistics park and undertake the pledge supervision business of banks, the probability of successful application can be greatly improved with the participation or guarantee of the logistics park; For banks, because of the participation or guarantee of logistics parks, financial risks can be better avoided and business expansion can be realized; And the logistics developers who operate the logistics park can also get new income-generating channels.
For small and medium-sized logistics enterprises, although the main products of supply chain finance are often unavailable, there are still many products and services for many enterprises to benefit from this innovative form of financial services. For example, many domestic commercial banks have launched factoring business, that is, enterprises can obtain comprehensive financial services such as accounts receivable financing, financial management, account collection and bad debt risk provided by banks by transferring accounts receivable formed in domestic trade to banks. For logistics enterprises, if the debtor of accounts receivable meets the bank's credit evaluation standard, then logistics enterprises can get this service.
On the whole, the main participants and beneficiaries of logistics supply chain finance are still powerful large-scale logistics companies; But it is undeniable that supply chain finance has brought supply chain management thinking to all kinds of logistics enterprises. Are you alone? Pay more attention to the overall construction of the supply chain instead? Teamwork? , thus greatly promoting the optimization, integration and progress of the logistics industry in China.
For many small and medium-sized enterprises, they should conform to the trend of logistics supply chain management, strive to improve the service level and credit rating, and actively participate in a strong supply chain with excellent enterprises as the core, so as to obtain supply chain financial products and services, break through the financing bottleneck and achieve better and faster growth. ;