Research On The Mode Of L Bank’s Supply Chain Financing Service

Under the new normal, with the reversed transmission of external and internal factors, City commercial Banks will be stepping up to the small micro-enterprise financial services, take it as the important direction of the transformation to break. But as a result of small enterprises have been insufficient fixed assets, the financial system is not sound, lack of recognition to the bank collateral requirements and a series of problems, In the same time of city commercial banks into the dilemma, the problem of "financing difficulties", "financing expensive" has become the key factor for normal development of small micro enterprise. Supply chain financing as a financing tool chain, focus on the stability of the operation of the chain as a whole in the supply chain on the basis of the analysis of the internal structure of transactions for each participation main body of the chain to provide comprehensive financing services, effectively solve the “financial difficulties” of City commercial Banks and small micro-enterprises in Buyer-Seller chain.This paper introduces supply chain financing model to bank businesses of small micro service strategy, and from the practical perspective, we made a systematic research on the carry out the supply chain financing for city commercial banks, and expand small micro business.Among the full text, firstly, this paper introduces the research background, research status quote and related theoretical basis. Secondly, after making contrast to some confusing term explanation, the theory of supply chain financing at home and abroad research and application status, the existing advanced city business supply chain finance business situation we make a brief summary. On the detailed analysis of the tradition of "dominated by traditional core enterprise supply chain financing mode" and "dominated by the third party logistics enterprise logistics supply chain financing model", on the basis of their respective advantages and disadvantages, focus on the logistics supply chain financing services each participation main body role and significance in the chain. Generalize concluded that the logistics supply chain financing model fit better city business of small business development strategy.Then, the paper in detailed introduces the research carrier- L bank of small business development present situation, the direction of the transformation of its positioning as a small business necessity and the importance of logistics supply chain financing made comprehensive and feasibility analysis.The L bank implementation of logistics supply chain financing business, must have corresponding financing products and risk prevention and control measures. so, this paper sums up out of the bank of the L in logistics supply chain financing mode, accounts receivable financing, inventory financing and prepaid account receivable financing services of a particular product, and points out that each product risk point and the corresponding risk control measures. At the same time, with the aid of the balanced scorecard, construct the performance evaluation index system of logistics performance evaluation of supply chain financing services for the preliminary study, and Suggestions for improvement are put forward. Finally, after study the text,we made a summary and bold forecast to the future development of the logistics supply chain financing.