Research On The Problems And Countermeasures Of Supply Chain Finance Business Development In City Commercial Banks

After extensive high-speed growth over several decades,China?s economic development has gradually entered a new track of low-to-medium speeds that pursue quality and efficiency.How the banking industry finds growth points in the new economic environment and expands the depth and breadth of the business is a practical issue that policymakers must consider.In the report of the 19 th National Congress,the party formally proposed that China should establish a “modern supply chain”,which means that the supply chain has become a new dynamic and supporting point for the development of the national economy.Supply chain finance uses finance as a medium to form a complete,effective and circular closed loop by integrating the capital flow in the supply chain,the information flow in the integrated chain,and the third-party logistics as a supervision to organically combine the main bodies in the supply chain.In order to reduce the risk level of participating entities in the chain,all entities can realize their own value-added value by participating in chained financing.The proposal of a chained financing plan has strong practical significance for improving the predicament of SMEs' cash flow insufficiency,realizing stable development of the real economy,smooth implementation of “Made in China 2025”,and achieving stable development of the banking industry.This article takes L-Bank's supply chain finance business as its research object,and analyzes its business by collecting relevant data.The article selected the supply chain financing business between L Bank and X Auto Service Trade Co.,Ltd.to introduce the case.Specifically,based on previous research results,this article uses the literature research method to summarize the concepts and characteristics of supply chain finance,focusing on the three major financing modes of the supply chain: inventory,prepayments,and accounts receivable.A detailed introduction is provided,which lays a theoretical foundation for the subsequent case analysis.Then,using the case analysis method,the article selected a typical supply chain finance business financing case between L Bank and the X Auto Service Trade Efficient Company,which is the holding warehouse business based on the prepayment model described below.In the case analysis section,a systematic introduction was made to the development of the L-bank entity and its supply chain business.Through the analysis of the case,it pointed out the problems in the development of the L-bank supply chain finance business,and put forward their own opinions.