Research On Optimization Of Lingang Micro-Credit Company’s Supply Chain Financial Business

Since the pilot project launched in 2005,China’s commercial micro-credit industry has experienced a rapid development period of more than ten years.As an effective supplement to the traditional financial system,it has played an active role in promoting the development of small and medium-sized enterprises and stabilizing the capital connection between banks and enterprises.Since 2018,although the overall growth scale of the micro-credit industry has slowed down under strong supervision,the industry is gradually moving towards standardization.Enhancing the business climate has been a major factor in the micro-credit industry’s transformation and growth in the future.Crafting products with distinctiveness and characteristics is a key starting point.Getting through the industrial chain and supply chain is an important measure for micro-credit companies to gain competitive advantage.Supply chain finance is an important link between financial services and real industries.On the one hand,it can effectively help core enterprises to consolidate and extend their supply chain to increase the upstream and downstream enterprises’ confidence.Moreover,it can also maintain growth or expectation from all sides.On the other hand,it can promote the micro-credit industry back to serving the entity economy.It also can promote the healthy and sustainable development of the industry with financial innovation,and further integrate into the "ecological chain" of the financial market system.As the first financial service platform of Lin-gang Group,Lin-gang Micro-credit Company has plenty of industry resources.However,it’s supply chain financial businesses are still in the initial pilot stage.The paper will take the company as the research object,and study how to use the advantages of industrial clusters in the park to promote the rapid development of supply chain financial business,match the supply&demand side accurately to enrich business models,optimize product design,and expand application scenarios.This paper researches along the way of status analysis,problem analysis and optimization analysis.Firstly,through the introduction and analysis of the background and development process of the supply chain finance business of Lin-gang Micro-credit Company,we can seek the advantageous conditions of operation the supply chain finance business.At the same time,by sorting out the existing supply chain finance business processes,the existing problems are explored.Secondly,based on the problems and cause of formation of the existing supply chain financial business of Lin-gang Micro-credit Company,the supply chain finance optimization goal of "park+industry" model is determined,and the optimization design is carried out from the four aspects of business participants,industry selection,customer acquisition channels and business process.At last,it is proposed to further improve the internal management from the two aspects of business implementation process and safeguard measures to put the optimized business into effect smoothly.This paper optimizes the supply chain financial business of Lin-gang Micro-credit Company,and put forward the optimized design mode of supply chain finance based on "park+industry",which will not only help Lin-gang Micro-credit Company to realize the scale development of supply chain financial business,but also strongly promote the high-quality development of industries in Lin-gang Special Area of China(Shanghai)Pilot Free Trade Zone and the parks under Lin-gang Group,forming a new growth point in the field of financial services and realizing a win-win situation for both economic benefits and service effects of the company.