A Research On The Automobile Industry Supply Chain Finance Between Banks And Enterprises

As one of the pillar industry in China,the automobile industry plays an important role that can not be ignored to the economic development of our country.The restriction of the sale scale and the widespread cash-strapped situation is due to the unbalanced status of supply chain,plus upstream and downstream of small and medium-sized enterprise financing difficulties.In the automotive industry as well as the increasing expansion of the scale,car manufacturers,car dealers to customers have specialized and diversified needs for automobile supply chain finance,this create the development of the automotive supply chain finance.At the same time,In the commercial bank restructuring and development of breakthrough,automotive supply chain finance gets commercial banks more and more attention.supply chain finance as the dominant mode between business and commercial bank become a hot topic in the theory and application research.This article first use econometric modeling analysis and expert interviews survey,with qualitative and quantitative way,proved the significance and necessity of the development of automobile industry supply chain finance.Finally,the fact of the data which are obtained by transaction theory,put forward the supply chain finance innovation development direction-"N + 1 + N" mode.Firstly,this paper expounds the definition of supply chain,supply chain finance and theoretical basis,the system structure of the supply chain finance and leading research at home and abroad,puts forward at present,the research on automobile industry supply chain finance theory still existing gaps and deficiencies,and to excavate and support the innovation of the paper.Secondly,the current situation of the development of automobile industry supply chain finance of our country and existing problems are analyzed.Through auto industry development present situation,argues supply chain finance between banks and enterprises as the research object of this thesis,and describes the current development situation of China's automobile industry of supply chain finance between banks and enterprises,the special nature of supply chain finance between banks and enterprises for automotive industry develop,the service system of supply chain finance between banks and enterprises for automotive industry,Put forward the problems in the process of development of supply chain finance between banks and enterprises for automotive industry.Thirdly,through the economics modeling analysis and expert interview method,by The combination of qualitative quantitative method,different cooperation mode of supply chain finance between banks and enterprises were analyzed.Through the economics modeling analysis,Comparative the traditional auto loan financing and the financial supply chain 1.0 mode,to verify the financial supply chain 1.0 between banks and enterprises is more effective in overall cost-benefit and each cost-benefit of commercial banks,the core enterprise and the downstream distributors.Through expert interview method,verified the traditional auto loan financing,argues the supply chain finance1.0,supply chain finance 2.0's transaction cost is decreasing gradually,that is to say increasing efficiency of evolution path.Finally,put forward improving suggestions on the existing problems,based on the fact of the verification results pointed out that the auto industry development of supply chain finance innovation's development direction,namely supply chain finance between banks and enterprises 3.0-"N + 1 + N" pattern,this pattern in fact,on the basis of supply chain finance 2.0,can use the information symmetry,reducing the fact of supply chain finance dependence of core enterprise,enterprise in the supply chain on the focus on the same platform for business activities,to build a "credit system" based on transaction data,is more effective in reducing transaction costs and improve efficiency.This article belongs to an applied research on the basis of theoretical innovation and method innovation of auto industry supply chain finance between banks and enterprises.Hope this paper will provide a certain theory and methods reference for the study of this field,and at the same time,promote the standardization of car industry supply chain finance between banks and enterprises.