Research On The Problems And Countermeasures Of Supply Chain Finance Business Of Huishang Bank

Since the beginning of supply chain finance in China at the end of last century,after many years of development,its concept,mechanism,mode,service scope and technical level have been constantly expanded and upgraded,from the initial chattel financing to the "1+N" supply chain,online supply chain,and then to the integration of industry and finance in the ecological circle.Each iteration and upgrade meets the needs of the situation and promotes economic development.Supply chain finance,as the natural evolution of the continuous development of industrial model,has a deep industry foundation.It not only breaks through the traditional financial industry "based on finance and finance" model,but also has the explosive power of the financial industry and the sustainability of the industry.Relying on the core enterprises in the supply chain,commercial banks regard the upstream and downstream of the supply chain as a whole,and provide financing services for suppliers and distributors who cooperate with the upstream and downstream of the core enterprises for a long time.Based on the previous research results,this paper summarizes the concept and characteristics of supply chain finance by using literature research method,and focuses on the three business models of current supply chain finance business,namely prepayment,inventory and accounts receivable,which lays a theoretical foundation for the business development analysis of Huishang bank.As a local city commercial bank,because of the development of supply chain finance,Huishang bank has responded to the call of structural reform on the supply side of the country and the real economy of financial services,on the other hand,it can also meet its basic needs of increasing returns and reducing risks,smoothly open the financing valve of small and medium-sized enterprises,and has broad market prospects;therefore,in recent years,Huishang bank has been supporting the development of supply chain finance.Continue to explore innovative supply chain financial business,and strive to become the first-class supply chain financial bank in the region.Based on the actual situation of Huishang bank,this paper first analyses the internal and external environment of the bank,then studies the operation status of its supply chain financial business.After careful analysis,it points out the problems existing in the development status of supply chain financial business of Huishang bank,and puts forward its own views and improvement countermeasures according to the problems.