| With the division of production converted into the supply-chain mode from the vertical integration mode, the method of controlling and coordinating the transportation stream, capital stream and information stream of the entire supply-chain has been praised highly by most of the large-scale manufacturing enterprises. The supply-chain management has been developed rapidly in the1980s. Competition among enterprises has shifted gradually from the single enterprise to the whole supply-chain.As an important part of the supply-chain management, the supply-chain finance has been emerged, which is designed to provide supply-chain members with targeted financial products on the basis of analysis of the transportation stream, capital stream and information stream of the supply-chain, and this new mode of finance can not only enhance the overall competitiveness of the supply-chain, but also can expand business scope of commercial banks and ameliorate the customer structure.Automobile industry is one of the industries that the development of supply-chain management is growing up earlier and relatively better applied in China. With the concept of supply chain management taking root in the Chinese auto industry, the financial needs of the automobile supply-chain is increasingly urgent. Since2005, a variety of commercial banks have tested automobile supply-chain finance and gradually formed their own characteristics in the process of innovation. Nowadays, the Chinese automobile supply-chain finance has contained the business of the whole supply-chain of the auto industry, achieving a win-win situation among the main participants, such as automobile manufacturers, suppliers, dealers and commercial banks.Although the auto supply-chain has been fast developed and has larger development space, but the fact that cannot ignored is that the Chinese supply-chain finance has been set up only ten years and still exists a lot of blind spots and problems in credit management, legal protection, technical support, transportation companies and credit system. All of those problems are to be solved urgently by government and also by commercial banks.Starting from the point of view of commercial banks, this paper firstly analyzes the characteristics of Chinese automobile supply-chain, and sums up the typical application modes of the automobile supply-chain finance in China. Meanwhile, the paper analyzes the genetic mechanism of the risk modes and provides the appropriate controlling methods on the basis of the financing characters. Accordingly, the paper analyzes the existing problems of the Chinese automobile supply-chain finance, and then provides some suggestions for the future development of the Chinese automobile supply-chain finance and for the practical values of commercial banks. |
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