| :Supply chain finance is a systematic financing solution provided by commercial banks to optimize cash flow and manage financial cost of supply chain from the overall perspective. Automotive supply chain finance lies in the whole supply chain system from auto-parts production to end-customer consumption, covering the cash flow management and capital circulation management in joint enterprise of supply chain. Automotive supply chain finance can effectively promote upstream and downstream enterprises’capital circulation, raise working capital turnover rate and profit margins, and boost the overall automotive industry competitiveness. In domestic market, China Citic Bank earlier launched automotive supply chain finance solution among joint-stock commercial Banks, through years of development, has earned considerable brand awareness in the market.Firstly, this thesis analyzes automotive supply chain structure, summerizes the concept and significance of automotive supply chain finance, and introduces current situation of automotive supply chain finance among domestic banks. And then, the paper investigates present situation of China Citic Bank’s automobile supply chain finance business, covering credit pattern, credit examining and some key parts in credit process, to fully analyze the problems of credit management in automobile supply chain finance. We found that China Citic Bank lacks a specialized credit evaluation system for automotive supply chain members, and credit management system need to be improved, and automotive certification management is of great risk in current credit management. Based on the characteristics of auto industry and supply chain finance, this paper designed an automotive supply chain member’s credit evaluation index system. Finally, the thesis put forward some suggestions to improve the credit management mechanism, hoping to provide some reference value for China Citic Bank to promote the automotive supply chain finance development. |
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