The Study On The Bank-enterprise Alliance Supply Chain

With the rapid development of information technology and the emergence of economic globalization, supply chain has been became a new business model used in manufacturing management since the 1990s. the bank Carries on the innovation to develop the financial supply chain for meeting the need of the supply chain. On the basis of practice, there have made progress in the supply chain management, the supply chain finance theory as well as the associated theoretical research. But there are still some unresolved issues, such as the problems of cooperation and trustworthiness between bank and enterprise; risk proliferation may be caused by supply chain finance; information sharing between bank and enterprise, etc. All of them affect the application and promotion of supply chain management and supply chain finance.It is a good way to strengthen and close the cooperation between the bank and the enterprises that constructing the bank-enterprise alliance supply chain based the alliance of the bank and the core enterprise. there making the bank become an integral part of the supply chain. It may effectively solve the problem of supply chain finance. In the bank-enterprise alliance supply chain, the bank may effectively monitor the supply chain's operation to reduce credit risk of the bank; the bank plays an intermediary and carries on financial support to promote the financing of enterprises in the supply chain; It strengthens the information sharing between the bank and the enterprise, promotes their cooperation, increases their core competitiveness and serves win-win. this paper has discussed these problems that how to construct the bank-enterprise alliance supply chain, how to establish its operating mechanism, how to monitor the supply chain, how to realize information sharing between the bank and the enterprise, and others.We can understand the operating model and characteristics of supply chain finance as well as its limitation and risk question, on the foundation of introducing supply chain finance concept and through the concrete practice of Shenzhen Development Bank. We think the risk circumvention mechanism of supply chain finance has the possibility malfunction. It is hlepful in solving the problem that the bank and the core enterprise of supply chain establish the good cooperative relation. The paper puts up with the solution that insufficiency and risk question of supply chain finance, through establishing the strategic alliance of bank and enterprise to form the stable bank-enterprise relation, then setting up the bank-enterprise alliance supply chain by the inspiration that the organic synthesis of the UPS enterprise and the bank can effectively solve the operating questions of the supply chain finance.The bank and the enterprise need to establish the relationship of credit cooperation, so it is necessary to set up bank-enterprise strategic alliance. Through the cases of domestic and foreign bank-enterprise strategic alliance, exploring basic requirements of establishing bank-enterprise strategic alliance, by participating enterprise operation, the monitoring costs of bank will be under the active control, the efficiency and the stability of the alliance will be enhanced by establishing bank-enterprise strategic alliance. The bank needs to have the debt enterprise's partial control right through constructing and analyzing the bank loan model and control right model, meanwhile, the corresponding proportion of control right is derived through the model.Compared to the traditional supply chain structure, the bank-enterprise alliance supply chain is formed on the basis of the bank and the core enterprise strategic alliance. It is result of transforming the traditional supply chain. The bank-enterprise alliance supply chain is not simple combination of existing supply chain and the bank. It has stable binuclear structure and has became complex net chain structure. This structure can avoid the malpractice that easily broken of traditional supply chain, the one-way transmission of the information, and the questions of node enterprises in the supply chain create the entire supply chain system paralysis. Also causes informational transmission in the entire supply chain to be smoother and its core competitiveness is increased.It is very important for the bank-enterprise alliance supply chain to establish the effective operational mechanism so that it can move smoothly. Therefore the operational mechanism will be discussed from the following aspects: realizing enterprise's information sharing by establishing the double loop information sharing model; establishing the supply chain incentive mechanism from reducing contradiction of the supply chain, reducing the bank's risk as well as strengthening the cooperation and coordinated between the bank and the enterprise.The innovation of enterprise need the investment of capital and knowledge. The enterprises in the supply chain have the supplementary knowledge. Through enhancing the enthusiasm of the supplier to participate in the innovation, the bank-enterprise alliance supply chain may cause the more supply chain enterprise to participate in the innovation. Through enlarging the financial backing of the bank as well as increasing the investment of the innovation resources from the supply chain enterprise, it can promote the quality and the quantity of the enterprise innovation. Therefore the innovation ability of the entire supply chain can be improved.There are environmental risk, structure risk, information risk, credit risk and so on. Traditional methods of solving the supply chain credit risk existence defect. The bank-enterprise alliance supply chain can keep watch bank-enterprise alliance supply chain's risk through speeding up the cash-flowing, coordinating supply chain's logistics, cash-flow and information flow, strengthening the weak links in the supply chain, enhancing its stability, improving financing environment, enhancing supply chain's anti-risk ability to reduce supply chain's credit risk. At the same time, the monitoring role, the coordinating role and the early warning role of the bank-enterprise alliance supply chain can reduce the risk.Finally, using these theories and methods comprehensively, aiming at the small and medium-sized enterprise's financial difficulties, the paper has discussed the small and medium-sized enterprise financing pattern based on the bank-enterprise alliance supply chain.