| The difficulty of small and medium-sized enterprises financing is the problem of the world, especially in China. In recent years, with the continuous innovation and development of the financial industry, emergence of a number of new financial products to solve the financing problems. Among them, confirming warehouse financing is one of the new pattern. Confirming storage financing is the combination of financial innovation in modern logistics, it will loan from the original single one by one investigation enterprises to focused on the whole production chain, through the integration of the entire supply chain, cash flow, logistics and information flow. With the core enterprise’s well upstream and downstream of the comprehensive investigation,confirmed warehouse supply chain repayment ability, the core business of credit and credit, to give manufacturers, producers in the middle, the core enterprise, downstream distributors to provide overall financing credit, provide financing services as the core enterprise downstream small and medium enterprises. By confirming warehouse financing mode, fundamentally ease the supply chain of small and medium-sized enterprises cash flow situation, effectively improve the stability, efficiency of the found and improve a new financial innovation mode of all income. This paper mainly from the perspective of the supply chain to analyze the confirming warehouse financing, analyzes the decision process of members operating mechanism, confirming warehouse financing and members benefits. This paper mainly analyzes the following aspects:First of all, expansion of qualitative research in confirming warehouse financing. The first concept, introduces the confirming warehouse financing development process, characteristics of the analysis. Then present the main operation, operation mechanism and construct a multi-party participation in confirming warehouse financing mode.Secondly, through quantitative analysis, analysis the specific benefits of confirming warehouse financing mode, the traditional mode of financing,ordering decision making process, focuing on the interest rate decision and risk size, dealers to participate in confirming warehouse financing bank, and discuss the impact of performance confirming warehouse financing mode of the whole supply chain. Confirming that the orders and banks get warehouses is better than the traditional.and get the dealer mode of supply chain finance capital constraint of the interest rate and other related expressions.Thirdly, analysis the risks of confirming warehouse financing and the measures of how to prevent the corresponding risks.Finally, using a specific case prove the conclusions of this paper. Through a case analyse calculated the concrete numerical value^the specific visual digital, then get the simulation results to verify the conclusions of this paper.In this paper, through the analysis of the above study, the confirming warehouse financing mode is obviously better than the traditional financing model of supply chain. Using confirming warehouse financing, it not only carrys out effective financing in small and medium-sized enterprises, but also makes banks and the upstream suppliers of the enterprise geting more benefits than in the traditional financing mode. At the same time, through the quantitative analysis of banks interest rate decision factors and the dealer’s order strategy, it provides a theoretical and guidancs to the banks and other financial institutions in the actual.In short, the research on the operation mechanism. confirming warehouse financing are enrich the empirical research theory. This paper compares and analyses the specific differences between confirming warehouse financing and traditional financing model of supply chain. At the same time, analysising how the interest rate decision and regional dealer banks’s strategy, the paper provides some advises to the reference for banks, confirming warehouse downstream supply chain of small and medium enterprises. |
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