| In recent years,with the strengthening of the trend of economic globalization.supply chain management has emerged as a new management mode and gradually matured.From enterprise internal expansion to information sharing and cooperation with partners,competition between enterprises is evolving into competition between supply chains.In the past,more attention was paid to the proportion of benefits distributed in the industrial chain.Now,more attention is paid to how to expand the space of benefits available for distribution.However,due to asymmetric information,unbalanced status of enterprises in the supply chain,lack of fixed mortgage assets and other reasons,the problems of financing difficulty and high financing cost of small and medium-sized enterprises have not been solved,resulting in poor stability of the entire supply chain and becoming a bottleneck restricting the development of the supply chain.With the continuous expansion of the industrial scale,the main bodies in the industrial chain have generated professional and diversified demands,which have given birth to the rapid development of supply chain finance.As a new financing tool,the effectiveness of supply chain finance,a combination of industry and finance,in easing the financing difficulties of small and medium-sized enterprises has been proved by theoretical research and practice at home and abroad.It has better solved the pain points of participants in the traditional supply chain.Although China’s supply chain financial market started late,it has developed by leaps and bounds and has become the "commanding point" of development actively seized by major commercial banks.The automobile industry is a capital and technology intensive industry.The huge industrial scale has obvious driving effect on the upstream and downstream.The industrial chain is mainly dominated by core enterprises.The weaker upstream and downstream small and medium-sized enterprises urgently need the support of supply chain finance.Therefore,the prospect of supply chain finance in upgrading the value chain of the automobile industry will be immeasurable.This paper makes full use of various means of literature research,case analysis and field investigation,and combines the theoretical collision analysis method with the actual analysis method,and introduces in depth the comprehensive supply chain financial service scheme tailored by Bank Z for G Group.Firstly,starting with the background and current situation of supply chain financial cooperation between the bank and G Group,a key local automotive enterprise,this paper introduces the service scheme from the dimensions of customer demand,scheme content and business process,and analyses the problems in the implementation of the scheme.Secondly,this paper makes a deep analysis of the service scheme from the aspects of the advantages,effectiveness and differences between the scheme and traditional credit,points out the operational risks and characteristics of supply chain finance,and analyzes the impact of Z Bank’s automobile supply chain financing through the development of the automobile industry,the comprehensive situation of automobile dealers,and the overall development of the supply chain.The risk factors are found and the corresponding risk prevention measures are put forward.Finally,based on the viewpoints of domestic and foreign literature and the above-mentioned basis,it is pointed out that Z Bank should gradually enrich the supply system of financial products in the supply chain in the light of the enterprise’s individualized and characteristic needs.At the same time,it should pay attention to the development of the whole industrial chain and the participants.We should constantly explore and improve the risk prevention and control mechanism,actively promote the construction of electronic sharing platform,realize information sharing and system linkage,and continue to build professional training platform to promote the rapid and stable development of automotive supply chain business. |
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