Research On The Improvement Of Supply Chain Financing Products Of D Bank Dalian Branch

With the increasingly fierce market competition,deposit and loan spreads has been unable to meet the development needs of commercial banks;it must carry out the product improvement in order to develop rapidly.At this stage,our country's supply chain financing products are still in the initial stage of development.Therefore commercial banks must carry out the supply chain financing products research,and according to the design characteristics of the target enterprise reasonable financing products,in order to effectively activate the entire supply chain,and form a new profit growth point of commercial bank.D bank Dalian branch started the supply chain financing business late,with accounts receivable financing products,prepaid financing products and logistics services financing products,etc.Through the innovation of credit model in Dalian city,around the core enterprise,it uses the online financing mode,can provide financial support for small and medium-sized enterprises in the supply chain,and help solve the financing problems of small and medium sized enterprises.However,the domestic supply chain financing started late,subject to technical constraints,change in the market environment and other factors,D bank Dalian branch still exists many problems on the supply chain financing products.Based on this,this paper takes D bank Dalian branch as the research object,using the methods of document analysis,case analysis and comparative analysis,etc,in-depth analysis of the Dalian branch of D bank's supply chain financing products system and the operation status of the supply chain financing products.According to the current situation of D bank Dalian branch and the status of supply chain financing products,this paper proposes the confirmation of development strategy of supply chain financing products,the improvement of the level of innovation of supply chain financing products,the idea of establishing four improved supply chain financing products risk control system and strengthen the supply chain financing products,new electronic platform construction.At the same time,this paper has the following viewpoints: first,Dalian branch of D bank's supply chain financing products mainly exist in four aspects: supply chain financing product development strategy is not clear,the supply chain financing product innovation level is low,the supply chain financing products risk control level is low and the supply chain financing platform construction of electronic product is not enough.These problems not only integrate the supply chain financing products of D bank Dalian branch,but also highlight the common problems of the domestic supply chain financing products,this is the innovation point;second,the supply chain financing problems of D bank Dalian branch mainly include four aspects: the operating procedure of supply chain financing products is not perfect,the supply chain financing product branding is not strong enough,bank insiders lack of the knowledge of the supply chain financing products and high-quality talents of supply chain financing products business are not enough.This article researches on the D bank Dalian branch supply chain financing product,can help the D bank Dalian branch to improve the supply chain financing products,also has the certain reference significance to other supply chain financing product construction.