The Research On Supply Chain Finance Model Of Commercial Banks In China

Supply chain finance as a new type of financial service is a strong breakthrough in China’s currently financial industry supply-side reforms, which both open up a new direction for the profit of commercial banks and acquired large customer base, but also provide an effective way to ensure the capital flow in the supply chain upstream and downstream company and the whole chain running smoothly, orderly linking up the information flow, logistics and business flow. With the development of internet and electronic information technology, more and more companies involved in e-commerce, commercial banks are turning to online supply chain finance. The operation of Ping An Bank’s orange E platform is a new phase to the commercial bank in supply chain finance area, while the new model also provides a new idea for other commercial banks in online supply chain finance business innovations.Based on the demand side of the supply chain finance, the article firstly analyze the operation of enterprises’ cash flows, then according to the financial needs of the enterprise in supply chain, making a comparative analysis of the supply chain financial model from the supply point. The model of supply chain finance can be divided into online supply chain finance and offline supply chain finance on basis of whether work electronically, based on the evolutionary process it is divided into the traditional "1 + N" supply chain finance, supply chain finance 2.0 and supply chain finance 3.0; Secondly, based on the case of Ping An Bank, this paper makes an analysis on the newest supply chain financial model Orange e platform, and be supplemented by Ping An Bank’s collaboration with H company. This paper argues that online platform supply chain finance based on the transaction of companies, which can not only expand the customer base and dig their needs, but also provides financing, payment, settlement, insurance, finance, logistics and other integrated financial services with e-commerce collaboration; Finally, using coordination degree evaluation model to test the coordination of commercial banks, the core company as well as its upstream and downstream enterprises, and thus evaluate different supply chain financial models. The results show that at present the new supply chain finance model can make participants of the supply chain finance achieve a win-win, compared with the only electronic model, the new supply chain finance with product innovation is more conducive to the coordinate of supply chain finance system.This paper is based on the case of orange E platform services in Ping An Bank, taking the new supply chain financial model into research systems, which will be a reference for other commercial banks which carry out online supply chain finance. In addition, from the perspective of promoting the orderly development of the financial system and achieving a win-win for banks and companies, some suggestions were put forward for the supply-side and demand-side in the end.