Supply Chain Financing Products Of A Bank

SMEs(small and midium-sized enterprises) play an important role in national economy in China,but the financing problem has not been solved effectively.Supply chain financing is a new financing model tailored for SMEs, the new financing model based on flow assets as collateral and on the lower reaches of the real transaction background business, can effectively alleviate the financing difficulties of SMEs, exposure to large problems, it provides a new way for SMEs, opening up new channel.In recent years, various financial institutions have conducted beneficial attempt, launched a service supply chain financing characteristic.A bank as a large commercial bank, customers of SMEs occupy the important position in the customer base, but in recent years, affected by the traditional single customer credit subject to restriction of financing mode of system and each branch shall not grant loans to remote clients, A bank financing to SMEs business appeared to remain stagnant phenomenon, affected the further development of business.In this paper, under this big background, starting from the angle of supply chain management, the current A banks operate more mature "financing product mix model" and is trying to promote the "N+1+X mode" carried out in-depth analysis, on this basis, combining with the development trend of the financial and logistics industry, to explore the development direction for A bank "logistics bank model", and from the risk control, organization and technology application three aspects, put forward to perfect and improve the related supply chain financing the proposed A bank, in order to meet the financing needs of small and medium-sized customers. This not only for SMEs ease A bank financing problem has important practical significance, but also for the future based on the financing business of supply chain management and improve the development of SMEs provide some ideas and reference.