Research On Supply Chain Financial Business Of Bank-enterprise Cooperation Plus Self-operation Platform

Supply chain finance refers to a financing way to provide financing products and services for upstream and downstream enterprises based on the real trade relationship on the supply chain and using the credit of the core enterprises.In recent years,with the support of policy,there are more and more large enterprises and various forms to carry out the supply chain financial business in our country.For the enterprises who want to set foot in the field of supply chain finance,it is very important to know how to carry out the supply chain financial business effectively,to increase the liquidity of the whole supply chain funds,to obtain new profit growth points,and to strictly control the related risks.At the same time,since most of the existing case studies about supply chain finance are for enterprises under a single strategy,such as platform-based e-commerce enterprises Ali,Suning and so on,under the coordination strategy of the core manufacturing industry research is very little.Therefore,this article chooses Haier Group as an example,based on the core manufacturing enterprise's angle,carries on the thorough research to its "bank-enterprise cooperation self-support platform" strategy supply chain finance pattern.Based on the existing research on supply chain finance,this paper makes a concrete analysis on the supply chain finance business carried out by Haier Group,the core enterprise.The paper first introduces the general situation of Haier Group and the reasons why Haier is selected as a case study in this paper,then introduces the mode of cargo and credit under the strategy of cooperation between banks and enterprises,and the mode of accounts receivable under the strategy of self-run supply chain financial platform,etc,and then analyzes the strong risk management mode of Haier Group.By comparing the supply chain financial model of Media Group and Alibaba Group under a single strategy,the paper compares the strategic choice with operation structure,specific service and credit technology,and concludes the advantages and disadvantages of Haier Group's “Bank-Enterprise Cooperation & Self-owned Platform” strategy from the non-financial point of view,then,starting from Haier Group's financial data,establishing a comprehensive evaluation model by principal component analysis,then analyzing the influence of supply chain financial business on Haier Group by comparing the comprehensive score before and after Haier Group's supply chain financial business.According to the analysis,the supply chain financial model of Haier's “bank-enterprise cooperation & self-support platform”strategy has the advantages of wide source of funds,low cost of financing,and the disadvantages of backward payment system and higher risk of industry,and see it from the financial performance,supply chain finance has a positive impact on Haier's overall development trend,but there is also a risk of liquidity caused by the reduction of inventory turnover.Finally,according to the analysis of the problems and risks,this paper gives some suggestions to improve the supply chain financial service system of Haier,such as establishing the risk stop loss mechanism and establishing the performance evaluation related to the risk,in order to promote the further development of the supply chain finance of Haier Group,and to provide reference for other core enterprises that want to carry out the supply chain financial service,so as to further promote the development of the supply chain financial market in China.