A Bank Automotive Supply Chain Financial Business Research

In recent years,the state has increased its propaganda of inclusive finance and supported the development of China's real economy.At present,China's automobile industry is developing rapidly,and China has become the largest automobile production market and consumer market.However,in the automotive industry,small and medium-sized enterprises in the top and lower reaches of the industrial chain are generally suffering from financing problems.It is difficult to obtain bank loans under the traditional credit model.Based on this situation,automobile supply chain finance(SCF)has emerged and can be very good to solve the problem of financing difficulties in all aspects of the automobile industry chain.After years of hard work,Bank A launched the automotive SCF business and achieved certain development.On the one hand,A Bank's automobile SCF strongly supports the financing needs in the production and sales process of automobiles;on the other hand,it satisfies the demand for car purchases of the majority of terminal car consumers,and is obtained by car manufacturers,dealers and consumers.At present,Bank A actively implements the corporate responsibility of the financial service society,and supports the development of the real economy,vigorously develops the automobile SCF business,provides high-quality and efficient financing services for many small and medium-sized enterprises in the automobile industry chain.Based on the relevant knowledge of SCF,this paper selects A bank to carry out the successful case of automobile SCF,analyzes the financing mode of A bank's automobile SCF business,the economic benefits and social benefits,summarize the successful experience of Bank A in developing automotive SCF business,and put forward proposals for further development of automobile SCF.This will have certain reference significance for China's commercial banks to carry out automobile SCF business.