CCB's Financial Service Plan Design For The SM Group Supply Chain

At present, the supply chain finance has been paid more and more attention by the commercial banks, and has gradually become an important model to provide financial services to enterprises. Compared with the traditional financial model, financial model of the supply chain can be without an increase in the financial risk of commercial banks, greatly expanding its business scope into service is due to the qualification problem before to the financing of small and medium-sized enterprises, can also provide financing services for the enterprises in the supply chain, to provide other financial and non-financial services and the consolidation of core business and cooperation, and expand new customer groups, to become the new commercial bank business and profit growth. The SM group and its upstream and downstream enterprises to form the "SM ecosystem" enterprises, Construction Bank supply chain finance model into the framework of cooperation with the "SM ecosystem", will be able to conduct more in-depth cooperation on the basis of cooperation achievements, achieve a win-win.In this paper, using the method of literature research, case analysis and comparative analysis, the paper studies the Construction Bank to carry out the supply chain financial services to the SM ecosystem. The following conclusions are obtained:(1) Domestic research on supply chain finance is lack of depth, the basic research of supply chain finance is not enough, and the basic content, business scope and other aspects of the understanding is not clear enough. In particular, the application of the supply chain finance in China has not done a thorough investigation; so many areas have emerged as a result of the improper use of supply chain finance and produce many adverse consequences. (2) Since the first cooperation between the two sides in 2012, the two sides conducted in-depth cooperation in many areas. The analysis is the emphasis, efficient service advantage Construction Bank of SM group of financial services to meet customer demand; characteristics; coordination of outer tube preferential policies, the challenge is to put forward higher requirements on the service efficiency; the other commercial bank competition. Construction Bank financial services for the SM group problems and problems of financial services failed to break the traditional model; product pricing is too high, the marketing and risk management concept is not consistent. (3) The Construction Bank of SM group's financial services supply chain solutions must be "out of the SM company SM company, providing a complete set of supply chain financial service system for the SM ecosystem, including basic financial services, cross-border financial services, financial services; the main mode of operation with prepayments, chattel mortgage and accounts receivable the way of marketing; including two extension mode, marketing mode and marketing mode of batch. In order to ensure the smooth implementation of the program, from the market competition strategy, strengthen the flow of funds management, the establishment of functional differences of the service team and to create a 24-hour service process to put forward the corresponding safeguards.The Construction Bank will supply chain finance model is introduced into the analysis and cooperation within the framework of SM group, in promoting the construction of Bank of sustainable development at the same time, also for the subsequent bank to carry out similar operations to provide reference. The experience in the west bank cooperation is particularly significant. In the objective, it provides a new path for small and medium enterprises to solve the financing problem.