Application And Risk Prevention Of Supply Chain Finance In Automobile Trade

Supply chain finance refers to the financial institutions taking the core enterprises as the business support point,while serving the core enterprises,the entire supply chain is regarded as a whole,and according to the chain relationship and the industry characteristics of the chain,products and services are effectively deployed to the relevant enterprises in all aspects of the supply chain to provide integrated financial service programme.Supply chain finance is an innovative solution.It covers all stakeholders in the supply chain from raw material suppliers to end users(including individual consumers).From the angle of chain enterprises,supply chain finance can help the small and micro enterprises from upstream and downstream to solve their financial problems.From the angle of commercial banks and other financial institutions,supply chain finance provides major business opportunities,on the premise of controlling risks,commercial banks can make use of the qualification and credit of the core enterprises to provide financing for the substandard enterprises,then achieve win-win or even multi-win.Based on the theory of supply chain finance management and risk management,the paper introduces three common automobile trade industry supply chain financing model from the main links of upstream suppliers and downstream distributors in the supply chain.Combining C bank automobile supply chain business of the three typical patterns of actual process,the causes of the risk and actual risk prevention measures were analyzed,and finally,on this basis,the paper puts forward some suggestions on risk prevention for three common supply chain financing modes in the field of automobile trade.