Research On Supply Chain Finance Business For Commercial Banks In China

The development of modern social economy makes the enterprises that are not closely related closely related to the social division of labor.At the same time,due to the increasingly international production mode,enterprises in the industrial chain mode gradually become clear.The transformation of the social division of labor and the change of the way of business operation provide the initial conditions for the production of the supply chain finance business.Under the industrial chain of enterprises in the process of purchasing,production,sales,huge demand for financing,but suffer from channel,capital content,such as,its financing channels,lines on the receipt of funds from existing restrictions;At the same time,the traditional business development of China's commercial Banks has encountered a bottleneck in the development of traditional business banking in the case of the narrow gap between traditional deposit and loan and more risks in the loan business.In the needs of the enterprises and bank business transformation of the dual background,break through the original single credit mode,Chinese commercial Banks began to expand the supply chain finance business,in the broad prospects and high profit business areas have a place,broaden sources of profit.Based on the literature and the study of the specific business practices of commercial Banks in China,this article mainly embarks from the two aspects of theory and practice,and in the perspective of supply chain finance business of commercial Banks,to the development of its business,innovation and improvement to provide new way of thinking.By the end of 2017,the loan balance of small and micro businesses was 2.34 billion yuan,up 16.4 percent,accounting for 33 percent of the company's loan balance,but the cost of financing the enterprise was 7.6 percent,according to the central bank.Therefore,it can be known that small and medium-sized enterprises in China have developed rapidly in recent years,with large loans and high costs.This paper starts from the present situation and expounds the opportunity of China's commercial Banks to start the supply chain finance business.But because of China's commercial Banks to carry out the supply chain finance business time is shorter,so the supply chain management is not understand thoroughly,foreign financial institutions in the process of business practice experience is not enough.Therefore,the product homogeneity problem is faced in the process design and product innovation.In terms of risk management,it also faces the problem of incomplete system establishment and little risk control measures for participants.In the customer development and customer maintenance,China's commercial bank customer development channel is single;Compared with third-party intermediaries and other cooperative institutions,commercial Banks are not closely related to their cooperation,and the cooperation effect is not prominent.In the construction of information technology technology,it relies too much on external technical force to form its own technical team and technical advantage.Therefore,our commercial Banks should focus on improving these parts.Carried out in our country commercial bank supply chain finance business,in the continuous improvement of macro environment,government support and other conditions,the commercial Banks in China can make use of its advantages combined with the trend of the environment,actively carry out financial business supply chain.Many commercial Banks have designed corresponding products and solutions based on existing business models to serve all kinds of enterprises in the supply chain.At the same time,some commercial Banks have made special features in brand building,technical service and platform construction.The business content of supply chain finance of commercial Banks in China is constantly innovating and developing as the market demands.Among them,Zheshang bank began to develop its supply chain finance business in combination with its development strategy and its advantages in small and medium-sized enterprise customers.In technical application,platform,product,etc.,Zheshang bank innovation content to do better,obtained business through innovation and customer quantity,but also to expand the brand of the business operation;However,compared with other commercial Banks that started the supply chain finance business earlier,there are still many deficiencies in Zheshang bank.At the end of this article,through to the our country commercial bank supply chain finance business in the past in the process of practice,combining with the experience of supply chain finance business at home and abroad and in line with the actual conditions of our country commercial bank faces,targeted at product innovation,risk control system construction,customer development,collaboration with other institutions,information technology provides some suggestion to team building.