Research On New Model Of Wholesale Financing Of Automobile Supply Chain Finance

With the globalization of the economy and the refinement of the division of labor,more and more professionalism is required,resulting in an increase in the number of enterprises involved in the whole process from raw material to customers.Information flow and cash flow also follow the industrial chain.The automobile industry has always been an important pillar industry of the national economy.Financing is also restricted by the industry chain.As a new type of financing tool,supply chain finance is increasingly used in the automobile industry financing,in which distribution the business between dealers and manufacturers is large and frequent.This paper mainly reviews the research on business advantages of supply chain finance,and explores the financing mode and risk in the automobile industry.Based on an imported enterprise A,comparing and analyzing the wholesale financing mode of dealers.The current prevailing dealer prepayment financing is the Confirming Warehouse business.There are both three party and four party Confirming Warehouse.The traditional Confirming Warehouse is not used by dealers of W brand heavily.Based on original Confirming Warehouse business.The financing instrument has been changed from Bank's Acceptance Bill(BA)to the Corporation Overdraft.Due to fierce competition in industry,financing difficulties for SMEs,etc.,wholesaler A developed a new type of Confirming Warehouse financing model-bank acceptance bills recycling(B / A recycling mode),From the perspective of banks,dealers and wholesaler A,the interests and the risks assumed are analyzed,and the utilization rate of the Bank's Acceptance Bill is analyzed to ensure the reasonable use of the dealers.Under the new financing mode,especially the risk changer,it is necessary to establish a corresponding risk assessment system.This paper uses method of AHP-analytical Hierarchy Process,to establish a risk assessment system that meets the actual needs.Since the new model has not been fully used by many dealers,the specific risk assessment system needs to be continuously improved and developed lately.This paper has made the following three innovations: 1 The innovation of the new type of Confirming Warehouse,which helps the financing enterprises to reduce costs.2 From the perspective of reducing the financing cost of enterprises,designing financing products can reduce the overall cost of the industrial chain,improve competitiveness,and lead to one plus one is greater than two result.3 According to the requirements of the core enterprises,as a risk taker,it is necessary to establish a risk assessment system for dealers to control risks and reduce their own losses.