Case Study On "Xiao Yi Da", A Supply Chain Finance Product

In recent years, supply chain finance, as a new financing model has gradually replaced the traditional financing model and also this financing model has deeply praised by general customers. This new model not only solves the small and medium-sized enterprise financing bottleneck problems, but also using efficient service support system provides many reasonable and convenient advantages for small and medium-sized enterprise. In addition, bank through the operation of new financing products that enhancing the credit rationing of small and medium-sized enterprise, it helps core enterprise maintain and consolidate the high-end customers which also provides a new channel, the key point is that bank through using this financing model can promote region economic value enhancement, including two aspects of economic and social benefits. Supply chain finance is usually based on internal industry chain structure as the basis, which also based on the theory of self-liquidation trade financing and credit analysis tools to cooperate, additional inserting the new risk control variables such as core enterprise, small and medium-sized enterprises, logistics companies, asset flow detection tools, which aimed at different structure point in the supply chain system protection that selective to provide professional and sealing credit service and corresponding settle accounts business and also the comprehensive financial service of managing money matters. At present, from the point of implementing internal financial supply chain in China, it has three characteristics that other financing system does not possess:firstly, it has provided comprehensive protection for the small and medium-sized enterprises by building new fund supply chain. Secondly, the push of supply chain finance business, it has not only strengthened the link between bank and companies, but also creating convenient conditions by implementing expanding enterprises financing group, at the same time, it also provides a strong support of bank by implementing a new round financial business profit growth point. Finally, from the perspective of the general direction of macro economic development, the innovation of supply chain service system provides a favorable guarantee for regional economic development, it not only promoted social and economic benefits, but also it has through the transition of the mechanism of scale and the innovation of risk control management that encouraged enterprises have a huge cluster scale economic effect.This article adopts the way of case analysis, using the case events of product as a breakthrough to deeply analyze J boc supply chain product "Xiao Yi Da" that how to solve the problem of financing difficulties of small and medium-sized enterprises. In this paper, the main structure is divided into four big sections, the first section is mainly expounded the introduction of the whole article, the meaning of research, literature review and the significance of innovation and the insufficiency, additionally elaborates on the expected to solve the problems in this paper. The first part of this body through the elaboration of "Xiao Yi Da" case background, and introduces the implement process of case, which introduces the operation mode of J boc "Xiao Yi Da" business, its accounts receivable" 1+N" mode and offline channel mode of operation to deal with the systematical problems of small and medium-sized enterprise financing, in this end, this paper introduces the "Xiao Yi Da" credit approval mechanism operation effect and also through three aspects of the way of credit, financing object, guarantee ways to elaborate the supply chain operation mechanism of the product. The second part is the case study of "Xiao Yi Da" business, first of all, using theoretical analysis tools as a support to deeply introduce the advantages of "Xiao Yi Da" business, including service system, efficient offline financing channels, huge credit group and also credit mechanism innovation pattern and so on, by introducing analyze product advantages to make reader more clear understanding supply chain performance of the product. Next, through comparing "Xiao Yi Da" business with PingAn Bank " supply chain 2.0" to analyze the lack of details of operation for J boc supply chain products, specific comparative analysis from the following three aspects:Online financing mode, advance payment mode, innovative financing model development, through the comparison analysis, which makes Bank of China more clearly know the shortcomings of its own supply chain system, makes every effort in product development to improve this aspect of the problems. The third part is the conclusion and suggestions of this whole article, in the conclusion part, the concluding statement the advantages, disadvantages and the aspects needed to improve of J boc supply chain products in the application process, which strives to provide customers perfect supply chain products service system. In the suggestion part, it firstly needs to solve the problem of lack of prepaid products, and makes innovation for its own "1+N" model. For the banking system, it mainly elaborated and developed the online business, simplifying approval procedures for credit and develops appropriate credit rating standards and loan management mode in the future.