| Small and medium-sized enterprises play an extremely important role in China's social and economic activities,but the financing difficulties have always been a shackle to the development and growth of small and medium-sized enterprises.In recent years,with the marketization of interest rate,the interest margin between deposits and loans of commercial banks has been further reduced,so it is urgent to find new profit growth points.In this context,commercial banks have innovated financial products and launched their own supply chain financial services.As a key branch of large state-owned commercial banks,ICBC S Branch actively explores online supply chain financial solutions,provides targeted financial products for core enterprises and also upstream and downstream small and medium-sized enterprises,improves the stickiness of supply chain customers,and thus improves its profitability and comprehensive competitiveness.Starting from the development process of the supply chain financial business of ICBC S Branch,this paper makes an in-depth analysis and research on the operation mechanism of "GONG YIN JU" online supply chain financial platform of S Branch,and on this basis,puts forward suggestions on improving the online supply chain financial business from three aspects:strengthening data analysis,enriching product lines and improving risk management and control.It provides also a reference for commercial banks to innovate and develop online supply chain business in the future. |
PDF Full Text Request