Research On Supply Chain Finance Business Development Of Commercial Banks

In recent years,the development of Banks has been impacted by the third-party payment platform,P2 P network lending and other industries.At the same time,the spread between bank deposits and loans has been gradually reduced.Therefore,expanding new business and exploring new profit growth points are the top priorities for the development of Banks.In 2017,the general office of the state council on promoting innovation of supply chain and the guidance of application(countries do hair [2017] no.84)explicitly pointed out that to strengthen the financial innovation of supply chain and increase the application of the pilot,enhance cooperation between enterprises,industry and regional development capacity,booster,high quality and economic development which means that the supply chain finance is a new point of economic growth and growth.According to the "2017-2022 China supply chain financial market foresight and investment strategic planning analysis report" issued by the foresight industry research institute,China’s supply chain financial market demand is close to 20 trillion yuan.Commercial Banks are an important part of China’s financial system and the main force to promote the development of supply chain finance and support the development of real economy.At the same time,the current development of Internet,Internet of things,block chain and other technologies provides a foundation for supply chain finance to rapidly occupy the market.Commercial Banks should take advantage of opportunities,meet challenges,and make use of their own advantages to actively seize market share.Through case analysis,this paper compares and analyzes the two innovative products of A commercial bank,finds out the existing problems in the development of supply chain finance of A bank,and puts forward corresponding countermeasures and Suggestions,which promotes the efficient development of supply chain finance of A bank and provides important enlightenment to other Banks.First of all,this paper expounds the related concepts and basic theory of supply chain finance,andintroduces in detail in the supply chain finance financing,accounts payable,accounts receivable financing based financing,financing,inventory financing three main players on the supply chain financial markets and elaborates the function,has carried on the basic research on supply chain finance.Secondly,through the investigation of8 commercial Banks,the author explored the main supply chain products and their characteristics of each major bank,and analyzed the development potential of the research bank’s supply chain products,which provided A reference for the study of relevant businesses of bank A.Thirdly,the innovation case of A bank’s supply chain finance business is analyzed.This paper mainly analyzes the refactoring mode of accounts receivable retransfer and the whole process online mode,and analyzes the specific implementation mode of the two products and the risks they face.Finally,through case analysis found that A bank in the relevant risk control deficiencies in the process of business development,product homogeneity and financial supply chain management system is not perfect,related Suggestions are put forward based on A bank are faced with the problem,make A better development of bank A supply chain business,at the same time provide A reference for other commercial Banks in China to develop the business supply chain.