Shenzhen Ping An Bank, Supply Chain Finance Research

Supply chain finance has become a new form of financial service ofcommercial banks. In order to conform the requirements of the funddemand of small and medium-sized enterprises, usually through theinjection of funds to provide financial support for the matching upstreamand downstream enterprises financing difficulties. At the same time, theactivation of the whole supply chain operation from the bank credit, tookplace to strengthen the small and medium-sized enterprise commercialcredit. Even more, the upstream and downstream enterprises willstrengthen buying and selling behavior. In the end, supply chain financehas become the new growth point of business of commercial bank.In this paper, we will take the supply chain finance about ShenzhenPing An Bank as the research object, which was established from Ping AnBank. With the service tenet “for the small and medium sized enterprises,development strategy for trade financing”. Firstly, we has introduced thecountry around the core enterprise, and then analyzed the development ofthe upstream and downstream enterprises of the full range of credit mode--"Supply Chain Finance", which has maintained a leading position inthe domestic interbank the brand value of continued ascension. Took allof above as the reality basis. In the body part of this paper, first of all, tointroduced the supply chain finance specific concepts, characteristics and the role of financial supply chain, even more about supply chainfinancing structure, supply chain finance business model and supplychain finance and traditional finance model comparison as the basictheory. Secondly, through in-depth study and analysis of Ping An Bank(including the original Shenzhen Development Bank and Shenzhen PingAn Bank) launched "1+N" supply chain finance products from2003.Until2008launched the "win" series of supply chain finance products,and then to2012December the introduction of the new developmentprospects of the "Financial Supply Chain2.0" as a supply chain financingmode of development. Reveals the Ping An Bank supply chain financingmodel successful experience in providing financing to small andmedium-sized enterprises, to discuss the application and development ofthe general theory of supply chain finance in peace within the bank, suchas Ping An Bank financial supply chain operation principle, content andmethods and the main modes of supply chain financing, such as accountsreceivable financing mode, the advance payment financing, logisticsservice mode of financing and financing mode, e-commerce service. Then,a detailed analysis of the major problems faced in Ping An Bank BusinessFinancing Mode of the financial supply chain, including electronicmanagement level is low, industry competition, the loss of customersource is outstanding, supply chain finance faces the risk of moral hazard,malpractice risk, guarantee risk and other risks, credit rating and credit guarantee the deficiencies in the management of small and mediumenterprises, should be able to provide management of accountsreceivable.Finally, according to those problems, and then in order to promote thehealthy development of Ping An Bank, we puts forward somecorresponding suggestions. Hope to provide high-quality and safetyfinancial services, to achieve a win-win situation with the small andmedium sized enterprises.