The Case Study On Supply Chain Finance Product Of Bank A

Commercial banks have to continually make innovation under this fully competitive market mechanism in order to survive and achieve high-speed progress. The banks cannot merely live on the profit gap between the loans and deposits anymore; thus, because of the Chinese Supply-Chain financing (SCF) market stands on a very elementary stage, banks should focus on their needs of self-development and make innovation of the business of small and middle-sized enterprises(SME) financing. That is why a tailored financing plan according to the SME operating characteristics is one way to survive from SME financing dilemma. SCF is sort of business of emphasis on the core enterprise, through the effective control of the logistics, capital flow and intelligence stream of the core enterprise and plus the responsive bonding of the related parties, therefore, provides financing services to the up and down-stream suppliers and distributors of the core enterprise. Under SCF mode, each enterprise on the supply chain receives financing support from the commercial bank, further more the capital flow of the banking system injects into the supply chain, therefore activates the entire chain and energizes the competitive capacity of the supply chain.This thesis summarized relevant essays on the SCF, describes a case study of a practical SCF product of commercial banks, gives a detailed analysis of several certain problems, and also provides suggestions. It contains four main parts, which are:The first part gives the study background and research significance, introduces the method and content of the study.The second part focus on a case study of a SCF product, tells the basic information and operating mode of the studied enterprise, and introduces a SCF product provides by A bank including risk-control method, operating scheme, pre-conditions of the financing product and post-loan control implementations.The third part focus on the detailed analysis of existing problems of the product, including firstly, risk-control issue before the loan, especially the lack of risk-control measure before credit granting; secondly risk-control issue during the operating process, especially the operating risk.The fourth part gives solutions which can effectively reduce the credit risk to the mentioned problems, especially to the risk-control before credit granting and during the operating process. And at last provides innovating suggestions to the SCF product design.