Research On Supply Chain Finance System And Group Lending Mode

The financing difficulty for SMEs, the great challenge for bank and the swift development of logistics enterprise drive SCF emerge. In the context of the supply chain, it has become an essential requirement for the stability of supply chain to enhance the financing ability and reduce the financing cost for small and medium enterprises (SMEs) through the innovative financial products.SCF brings benefit for all participants, SMEs get the loan support, banks widen operation field, logistics enterprises earn more profit, and supply chains improve competition ability. Just because SCF is so effective and profitable, it can develop so fast in China.Starting with the inevitability how SCF emerges, this paper introduces the three main modes of SCF, does preliminary research according to some SCF products of domestic banks, and compares these products in different perspective. Then this paper builds up SCF mode system, describes these SCF products in three dimensions, This mode system provides some feasible directions to design new SCF products. This paper does some thorough research in one SCF mode—group lending.Group lending has very good obvious effect, but banks still face some risks. Through bank mechanism design research, this paper provides scientific and reasonable design suggestions. Not even in guidance document of bank management department, but also in SCF products of domestic banks, the size of loan group is a very fuzzy number, therefore fixing a scientific number has great research value. This paper gives a number scale of the group size through two indicators—repayment rate and group risk.