| The automobile industry,as one of the largest and most important industries in the world today,its development has led to the growth of many industries,such as iron and steel smelting industry in traditional industries,material research and development,electronic technology and logistics industry in emerging industries,and so on.So the automobile industry has played a very important role in promoting the economic development and economic construction of our country.China’s car market fell 2.8 percent year-on-year for the first time in 2018 after 28 years of consecutive growth,with sales of 28.081 million vehicles.The fall in auto sales was influenced by auto policy factors and the macro-economy,and driven by a number of tax and environmental policy adjustments,new car sales farewelled the explosive growth.Sales competition pressure increased,the auto industry as a whole is facing structural adjustment,from the automotive flow field to the end of sales will change.Automobile supply chain finance has become a mainstream channel to effectively solve the financing problems of upstream and downstream suppliers and dealers in automobile industry.It effectively supports the operation of funds in each link of the chain,and to some extent can meet the capital needs of upstream suppliers,downstream dealers and end consumers.However,under the new situation of the decline of auto sales and the change of sales mode,how to adapt to the new industry development of auto supply chain finance puts forward new proposition.Firstly,This paper for the car terminal sales market changes at home and abroad to explore,and combined with the research object in the auto industry supply chain financial model carried on the analysis to the research of dynamic,and combined with the auto industry,it is concluded that: auto financial supply chain operating model is a special ecosystem,mainly by automobile manufacturers,auto parts suppliers(upstream),auto dealers(downstream)service agencies,financial institutions,and a third party.They constitute a dynamic organic whole,closely related,interdependent;And at the same time they constrain each other.Lastly,based on the personal experience and the financial needs of the new auto retail company A,this paper expounds the development course and current situation of auto supply chain finance,introduces the demand of A company’s supply chain finance,puts forward the feasibility of A company and the bank to build the auto supply chain financial management platform together,and briefly expounds the application of the platform model,which provides a reference for the cooperation mode between commercial bank and the new auto trading enterprise.Through the research at this stage,we get four conclusions: firstly,company A,as a newly established automobile retail enterprise,can provide customers with more convenient and preferential automobile and financial services.Secondly,the financial service platform of automobile online supply chain built by company A is closely combined with banks and other financial institutions.Based on providing high-quality services for enterprises in the supply chain,it has established a new retail mode of "Automobile Supply Chain + finance".Thirdly,the bank actively participates in the construction and management process of company as supply chain financial platform,collects more information,innovates more targeted services,expands business,and improves the bank’s competitive strength.Fourth,company A,franchisees and banks are mutually beneficial and develop together. |
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