Research On Financial Model Of Shanghai Pudong Development Bank 's Automobile Supply Chain

As the economy continues to develop and deepen the production model, marketing model to expand gradually from the inside "unified" into cooperation between enterprises, making the development of enterprises with upstream suppliers and downstream distributors become solidarity an industrial chain, the rapid development of information technology and transportation technology to further promote the development of the supply chain, automotive industry chain is one of the more mature supply chain of each industry supply chain development. Automotive supply chain is the core enterprise of automobile manufacturers in general, in order to improve their financial situation, they tend to be upstream production materials on credit, while the downstream companies to buy their products to receive advance payment, which is already funding shortages downstream enterprises is undoubtedly worse, it is difficult to maintain production, but on a small scale downstream enterprises, lack of credit rating is often not easy to obtain financing to support the banks, the problem has seriously affected the healthy development of the automotive supply chain.On the other hand, the early-bank financial institutions and other financial services primarily focused on providing credit support and other services for large enterprises, large enterprises because of its good credit levels and lower risk of banks competing to attract to provide financial services, with the increase in the entry of foreign banks and a variety of joint-stock commercial banks and local banks, the banking sector in terms of financial operations of large enterprises and profit margins continue to compress, increasing competition presents the trend of the day, so the new situation and under the environment of change, urgently requires banks to finance product innovation, develop new markets, a place with a difference of development in the formation of core competitiveness, dominate the market in the fierce competition.Emergence of supply chain finance business makes these two issues have been effectively resolved. Supply chain finance business allows banks to Emes throughout the supply chain collaborative credit rating, on the one hand to solve the funding problem, especially small and medium enterprises in the supply chain, on the other hand also reduce the number of non-performing loans under the precondition for the bank broaden the business channels, improve the business performance of banks.In this paper, Shanghai Pudong Development Bank, and the starting point for the research perspective, by analyzing the Shanghai Pudong Development Bank to carry out the financial aspects of the supply chain situation in the present, to identify the problems, targeted suggestions for improvement, with a view of Pudong bank supply chain finance business development provides some suggestions. The main contents of this study include the following aspects:The first chapter introduces the background of the topic, the analysis of the development of Shanghai Pudong Development Bank supply chain financing business necessity and feasibility, and to study the significance of this done in detail. The second chapter studies abroad by combing, drawing on results of previous studies based on the description of the research featured in this article, and introduces the concepts of supply chain and financial risk control points, and also introduced the current supply chain finance developments and trends, insight into market opportunities for Shanghai Pudong Development Bank, well in advance to deal with. The third chapter is Shanghai Pudong Development Bank for the development process of the automotive supply chain finance businesses to collate and summarize, Shanghai Pudong Development Bank on the status of the automotive supply chain, financial services business carried out a detailed analysis of Shanghai Pudong Development Bank pointed out that the current supply chain financing services problem. In the fourth chapter of the method of case studies of Shanghai Pudong Development Bank operating mode of supply chain finance business has done a detailed analysis further recognize the existing model of financial services the automotive supply chain issues and risks that exist in the implementation process, and made recommendations for risk prevention. The fifth chapter is the focus of this article, the Shanghai Pudong Development Bank stressed the need to establish a supply chain for the overall corporate credit risk prevention system, the use of electronic information technology platform to strengthen information sharing, by strengthening the dealer’s credit status and core corporate audit guarantee audit, to reduce the risk to the maximum extent, it is important to guarantee the implementation of supply chain finance.