Supply Chain Financial Products Design Based On Internet Platform

With the deepening and developing of the Internet financial model,all kinds of Internet supply chain financial platforms are emerging.Trough all converge in the quality and technical content,content,value of those product are similar,how to optimize the product and process to obtain the competitive advantage is a huge challenge for the platform providers.As the final financial backers,the commercial banks could use their excellent research and development ability to build self-Internet financial platform.Based on the platform,banks could conduct supply chain finance online.In this way,banks could effectively optimize the business process of supply chain finance,expand their loan business and seek new profit model,as well as effectively control the credit risk.Based on the domestic and foreign related research results in this field,fully considering the characteristics of supply chain management and financial products,this paper make an intensive study in designing supply chain financial products in commercial banks based on an Internet platform and then conduct a more in-depth study in the implementation and risk control measures of the products.The main research of the paper is as follows:The first chapter is the basic work of the research,which mainly introduce the background of the research,the present situation,the research content and the method.Based on the domestic and foreign research,this paper summarizes the definition of supply chain finance.The second chapter,through analysis the existing supply chain financial products,study all the offline and online ones,and then carry out a comparative study of them.The third chapter,analyzes the influence path of the bank platform to the logistics,capital flow and information flow in supply chain,research how to take advantage of the Internet to optimize supply chain products,and then design the framework of the three streams of new product.The fourth chapter,design online supply chain financial product in receivable mode,inventories pledged mode,prepaid receivables mode.Then compare three new designed products with the existing ones.The third part mainly work on making a risk assessment of the new designed products and try to establish risk-warning mechanism.The fifth chapter,based on the actual case of the product to verify the business process,and ultimately prove that the rate of return and business volume has increased,the overall risk reduction.In the sixth chapter,we summarize the results of this paper,and point out the problems that need to be further study in the future.