Research Of Internet Supply Chain Finance In Commercial Banks

The traditional concept of supply chain finance is the financing mode in which banks provide flexible financial products and services to their upstream and downstream enterprises in the core enterprise center.This means using funds as a solvent in the supply chain to increase liquidity.From the perspective of financial institutions,supply chain finance is the transformation of financial institutions' business models.Financial institutions rely on core enterprises to control the entire supply chain,changing the risk from a single to a whole,from uncontrollable to controllable.Through the provision of financial services products by big data financial institutions to achieve the company's capital operations to maintain day-to-day operations.From the perspective of e-commerce platform,the effective integration of financial institutions,core enterprises,trading partners and information technology platforms is supply chain finance.The information technology platform plays a key role in providing real-time information on important sources of funds,such as order-making,delivery,home delivery,inventory storage,outbound,and payment responsibility buyers in the supply chain of invoice items.and many more.In the entire supply chain,core companies with strong competitiveness and large scale,especially those with higher status,often need to make many concessions on the prices and billing periods of upstream and downstream companies,causing the upstream and downstream enterprises to bear huge Pressure,but upstream and downstream enterprises are generally small and medium-sized enterprises,it is difficult to obtain financing from financial institutions,and ultimately lead to tight capital chain,often face the risk of breakage of the capital chain,resulting in an imbalance in the overall supply chain.Supply chain finance is characterized by putting funds into the weak upstream and downstream enterprises,so that SMEs can effectively solve the problem of capital,thus solving the problem of supply chain imbalance;and financial credits will continue to be in the procurement behavior and sales behavior.Strengthening,the relationship between core companies and SMEs will become closer and closer,and the core competitiveness of these companies will be strengthened.In this model,companies in the supply chain can obtain funds and then activate the entire supply chain,and loans from financial institutions also provide more business opportunities for SMEs.The supply chain financial model is an effective way to solve the financing difficulties of SMEs.Traditional financial institutions such as banks do not only grant credit to a single enterprise,but also make full use of the structural characteristics of the industrial supply chain and the details of the trade of goods.SMEs in the supply chain provide financial support.Supply chain finance has huge market potential and will become the core competitive field of banks.Internet supply chain finance is a financial model that fully integrates Internet technology into supply chain finance.The use of Internet technology can effectively solve the problem of fund docking and risk pricing in supply chain finance,and can fully utilize the extensive supply chain financial market,and the future development prospects are promising.Therefore,it is urgent to study Internet supply chain finance and propose new ideas for the continuous development and innovation of supply chain finance business.This paper will study the "Internet + Supply Chain Finance" business of Ping An Bank Orange e platform according to the following structure.The first chapter mainly introduces the research background and the meaning of the topic,and then the literature review,comparing domestic and foreign research on supply chain finance.The second chapter introduces the basic theories related to the supply chain,namely the theory of trade self-compensation and the theory of information asymmetry.The third chapter introduces the selected cases and introduces the Ping An Bank Orange e platform from multiple perspectives.The fourth chapter is case analysis.This part compares the financial effects of Ping An Bank's traditional supply chain and the financial effects of the Internet supply chain.It mainly analyzes from the financial point of view and shows the outstanding effects of online supply chain financial services.The fifth chapter is the suggestion and revelation.In response to the shortcomings of Ping An Bank's supply chain finance,it is proposed to improve the Internet supply chain financial business,and hopes to develop a reference for other commercial banks to develop online supply chain financial services.