Research On Suning Supply Chain Finance Models And The Corresponding Products

At present,the problem of financing difficulty and high cost for small and medium-sized enterprises in China,which restrict the development of real economy,attracts more and more attention.As an effective measure to reduce the risk of credit granting institutions and promote the development of enterprises,supply chain finance is playing a more important role.In the era of Internet and big data,the introduction of supply chain finance ushered in a revolution.E-commerce platform is the supply chain financing of service providers,which is characterized by simple financing process,controllable credit risk,low degree of information asymmetry and relying on big data Internet.This paper summarizes and sorts out the four mainstream financing types in the supply chain financial market at present,and analyzes the resource status and environment of supply chain financial business operated by e-commerce platforms,including information resources,capital sources and technical resources.Environmental analysis is the financing dilemma of small and medium-sized enterprises,the trend of inventory and accounts receivable of large-scale enterprises,and the trend of platform and ecological development.The two parts serve as the background for e-commerce platforms to carry out supply chain finance business,and provide theoretical support and analysis basis for the introduction of suning finance,the subject of the following research.The research of suning supply chain finance in this paper focuses on financing mode and extends to specific supply chain financial products.According to suning's position,the financing mode can be divided into two types: "core enterprise + bank-enterprise cooperation" and supply chain finance under the cloud business mode.In the first mode,suning,as the core enterprise,provides guarantee,obtains credit from the bank,and suning obtains commission charge.Under the second mode,suning gathers its own capital,information resources,risk control technology,warehousing and logistics resources to provide a full range of supply chain financing services for platform-related enterprises.On this basis,this paper discusses the four mainstream products sold by suning from the aspects of product introduction and advantages,operation process and risk control mechanism,so as to provide a basis for summarizing the value and defects of suning supply chain finance in the next chapter.This paper argues that the main reason why suning relies on Banks to develop supply chain finance is still lack of funds.Therefore,comparing with suning,commercial Banks with sufficient capital explore the relationship between competition and cooperation from the four aspects of capital source,participants,business system and risk control mechanism,so as to provide basis for policy Suggestions.Suning,for its part,should expand its capital source and financing capacity,enhance product innovation,attach importance to compliance operation and personnel management,attach importance to online and offline collaborative operation,and enhance its technical level and talent cultivation ability.From the perspective of promoting suning supply chain finance by Banks,it is necessary to share resources and conduct in-depth cooperation with e-commerce platforms and attach importance to internal risk control.Regulators will continue to improve laws,strengthen supervision and policy support,and speed up the construction of the credit system.