Research On Optimization Scheme Of Auto Supply Chain Finance Of Z Bank

With the continuous development and deepening of the economy,automobile supply chain finance is highly favored.On the one hand,automobile industry is an industry with high accounts receivable and provides guarantee for automobile or upstream and downstream enterprises in the industrial chain,so the overall default risk is low.On the other hand,supply chain finance is supported by the state to serve the real economy,and the automobile industry is a real industry with a high share in the national economic life,which meets the national strategic requirements.The rapid development of supply chain finance puts forward new requirements for the original marketing management,risk management,organizational structure,customer management,operation management and system construction of commercial Banks,which promotes the reform of commercial Banks and the improvement and optimization of bank management system.And the problems exposed by Z bank in auto supply chain finance business also seriously hinder its development pace in auto supply chain business.Therefore,the optimization of auto supply chain finance business of bank Z is imminent,so as to achieve better,faster and more sound development of auto supply chain finance business of bank Z.To better integrate Z bank automotive supply chain information,financial,customer,channel,logistics and other resources,so as to adapt to market changes,to achieve win-win cooperation,this paper introduces the Z bank automobile supply chain business development present situation,points out the problems that Z bank supply chain finance business,specifically for its scheme optimization design from various angles,and put forward to ensure the Z bank financial supply chain optimization scheme of security countermeasures,so as to promote the continuous development and improvement of supply chain finance.For Z bank product scheme design is not perfect,no strong sense of risk control,support such problems as imperfect system,through the analysis of the characteristicsof automobile financial service,demand,and the formation of the automobile industry value chain,combined with the automobile industry value chain,bills,settlement and goods flow of funds,based on the product design and the system construction link all main body of the automobile industry value chain,from the service plan,risk control,internal control management,and other Angle proposed Z bank whole flow of automobile supply chain optimization idea,and the overall optimization ideas for sure,Furthermore,it puts forward countermeasures to ensure the optimal implementation of Z bank's supply chain finance from the aspects of formulating marketing guidance,improving risk management and building a professional team,so as to realize the attention and satisfaction of all participants in the chain and the maximization and integration of chain resources.In this way,Z bank can not only maximize profits and achieve win-win cooperation,but also play a positive role in learning from the experience of relevant Banks.