The Design And Implementation Of Supply Chain Finance System For A Bank

Supply chain finance is an important means for Banks to manage the capital flow and logistics of loan enterprises and control the risk of bank loans.With the continuous expansion of the financing market scale of small and medium-sized enterprises,problems such as the improvement of the credit system in the current supply chain financial system of Banks and the poor control ability of capital risk are particularly prominent.When controlling capital risk,Banks pay too much attention to large and medium-sized enterprises,and fail to control capital risk of small enterprises.In addition,information asymmetry between enterprises and Banks also increases the risk of capital loans.In the context of the rapid popularization of network technology,it is necessary to develop an information system for supply chain financeBased on the development of JavaEE platform,the supply chain finance system has established the standard and perfect application architecture foundation.The application of SSM(Spring+Spring MVC+Mybatis)framework reduces the coupling between system levels and accepts all kinds of requests.Calling components in Spring MVC framework can efficiently and conveniently handle requests and return view responses,reflecting the basic idea of transaction processing.Data table objectification and data persistence are embodied by Mybatis framework.The application of SQL Server database deeply guarantees the security and stability of supply chain financial data.Supply chain finance system realizes basic information management,accounts receivable management,accounts receivable pool management,factoring purchase,prepayment management,inventory management,query statistics and other modules;Basic information management module to achieve the customer management,enter an item of expenditure in the accounts management,template management functions,such as pledge of accounts receivable management realize the transfer of accounts receivable,accounts receivable collection,transfer balance payment and reconciliation management functions,such as accounts receivable pool management module to achieve creation,related to the accounts receivable into the pool,pool and segregated accounts withdrawal function,factoring again buy realization of accounts receivable,charge-offs function,advance class management module to achieve the order management,payment confirmation,goods storage,and other functions;The inventory management module realizes the functions of warehouse receipt registration,pledge updating,etc.,and the query statistics module realizes the functions of inquiring accounts receivable,ious,warehouse receipt and other information.The application of the system provides feasible solutions for Banks to control the risk of loan capital and maintain the stability of supply chain finance.Banks can fully grasp the flow of intra-bank loan funds and the operation status of all lending enterprises,effectively control the risk of bank loan funds,and strengthen the screening of enterprises.The system can realize the complete information symmetry between Banks and enterprises,solve the problems of information chaos and default transaction in the traditional supply chain finance mode,and help Banks to establish a standardized enterprise credit system.