Analysis On Supply Chain Finance Mode Of PingAn Bank

The financing problem of small and medium-sized enterprises has been widely concerned by the society,the problem of “financing is difficult and expensive” for small and medium-sized enterprises has been restricting the development of these enterprises,and the continuous development of supply chain finance provides an effective way to solve this problem,especially with the development of supply chain finance,innovative supply chain financial products provide more ways for small and medium-sized enterprises to finance.With the development of big data,cloud computing and other technologies,there is a new way to alleviate the information asymmetry between banks and enterprises.Supply chain financial products based on the daily operation and transaction data of enterprises have been paid more and more attention.Therefore,the research on this innovative supply chain financial product is not only significant for the development of supply chain financial practice,but also significant in theory.On the basis of the analysis of the traditional financing mode of the supply chain of Ping An Bank,this paper analyzes the new type of "data pledge",which is the core of "data pledge",on the basis of a single case analysis method.The Enlightenment of an bank's supply chain finance model and the trend of supply chain finance development in China's commercial banks are explored.The research finds that after the introduction of the "data pledge" type of financing,the Ping An Bank has solved some shortcomings of traditional financing mode under the traditional supply chain financial model,and has a reference for our commercial banks to carry out supply chain finance.