The Research Of Ping An Bank Supply Chain Finance

With the change of economic environment, intense industry competition, supply chain finance appears, not only reducing finance cost of the core enterprises, but also enrich financing channel for upstream and downstream enterprises. This innovative package of financial services provides financial support to the high financial cost-small and medium enterprises, injects fresh blood to the entire supply chain to maintain its operation. From the perspective of commercial banks, supply chain financial products improve the controllability of the overall risk, tying credit of core enterprise and transferring business credit to credit of bank. Furthermore, supply chain finance also contributes to expanding the market.The new Ping An Bank mergers from former Shenzhen Development Bank and the old Ping An Bank. Shenzhen Development Bank was the first bank that generalizes Supply Chain Finance and the benchmarking bank in this field with enough experience. In recent years, the new PAB supply had began to upgrade chain finance to on-line business. With development of the Internet and the Group's consolidated financial advantage, this movement works well. As a result, it's necessary and meaningful to study the theory and logic of PAB's development in this area. In addition, location of CQ branch is economic and financial center of the western region, indicate that financial cases there may provide experience to others. All in all, study of Ping An Bank supply chain services of CQ branch has important practical significance.Firstly, This article briefly describes the specific definition of supply chain finance, theory of relevant literature and existed research, analysis of supply chain finance business model; secondly, deep analysis of PAB Supply Chain Finance development process, from the original launch of "1 + N" mode to "supply chain finance 2.0" and the current online supply chain; then, with one case of CQ Branch- Prepaid financing mode, analyzing the practical operating in supply chain financing services; Finally, this research summarizes a variety of obstacles may stand on the way, such as loss of customers, lack of risk control, fierce competition, moral construction, an made some recommendations to address these issues. I hope to make a positive contribution to the healthy and rapid development of Ping An Bank with this research.