The Supply Chain Financial Product System Of HX Bank Xi’an Branch

Supply Chain Finance is a technical financing area which centers on financing for the companies in the supply chains. It is an effective way of financing for businesses especially for small and medium enterprises. Supply Chain Finance has highly developed in recent years. Commercial banks and non-banking financial institutions even logistic companies are providing the services of Supply Chain Finance creatively. Among all the attendants of the market, those listed commercial banks of China are the major competitors. As one of the structural financing solutions, Supply Chain Finance plays the role of the link of the industrial chain, meeting the financing requirements of the SMEs on the chain. Comparing with the traditional way of financing, which is like liquid loans, Supply Chain Finance has the advantages of more diversified products, lower interest cost, better solved the problems of SME’s financing difficulties and the unbalance of the supply chain. It has become a substantially important tool for the commercial banks to develop more quality customers and become more competent.It has been thoroughly and systematically discussed in this dissertation about the development of Supply Chain Finance, the actual business practice of Chinese commercial banks in this area, the comparison among the different systems of the Supply Chain Finance business. It has been analyzed emphatically about the Supply Chain Finance business development of HuaXia Bank Xi’an Branch. Based on the analysis to the specific real business cases in automobile and steel industries, suggestions and recommendations to improve the operating efficiency of Supply Chain Finance business product design system and procedure design are put forward. The suggestions are concerned in the aspects of organizational structure, operational and marketing platforms establishing, the product combination of the service packages for the supply chain finance customers, the operation and credit risk control, etc. The purpose of the discussion and suggestion is to improve the efficiencies, to simplify and shorten the procession, so that all types of the supply chain finance customers can be better and more effectively served. Therefore, HuaXia Bank Xi’an Branch can gain more market share and become more competitive, as well as increase the comprehensive profit level.