Case Study Of ZY Bank's Automobile Supply Chain Financing Business

In the new era,China's economic development needs new impetus.China's economic growth rate has shifted from a high-speed growth stage to a high-quality development stage.The domestic economy needs to be transformed and upgraded.Under the guidance of the policy of “integration of industry and finance,detachment from reality”,we must adhere to supply-side reform.Supply chain finance is in line with the "industry development needs",banks can inject funds into the real economy through the form of financial services such as supply chain finance,so that the financing difficulties of small and medium-sized enterprises can be effectively solved.Therefore,supply chain finance will be the key to China's financial supply side reform.More and more commercial banks are investing more manpower and material resources into the supply chain financing business,and integrating supply chain financing into their own business strategies.Supply chain financing is not the same as traditional financing models,so it makes a big difference between them.Compared with the traditional financing model,supply chain financing not only pays attention to the financial status and management ability of the borrowing enterprise,but also pays more attention to the scale and credit rating of the core enterprises in the supply chain,and the relationship between upstream and enterprises in the supply chain.Whether the degree is close and the authenticity of the trade background.The supply chain financing model reduces a certain risk by transferring part of the uncontrollable credit risk to the controllable operational risk through the overall grasp of the chain.Because the supply chain financing products in China's small and medium-sized local commercial banks have not been in the early stage,it is still in its infancy,so China's small and medium-sized local commercial banks urgently need to explore the path suitable for the development of supply chain financing business.China's small and medium-sized local commercial banks should analyze the typical characteristics of supply chains in different industries according to the characteristics of capital turnover and business management of different industries,and design a supply chain financing model with typical characteristics of the industry.This paper takes ZY Bank's automobile supply chain financing model as the main analysis object,selects the automobile supply chain with Zhengzhou Nissan Automobile Co.,Ltd.as the core enterprise,and analyzes the product scale,management mode and profit level of its downstream dealers.A comprehensive and comprehensive analysis of ZY Bank's automotive supply chain financing model business process,existing risks,advantages and disadvantages,ZY Bank's development of automotive supply chain financial business will help its credit business development,and some Improve measures and suggestions,and hope that ZY Bank can better carry out supply chain finance business in the future development.It also hopes to provide some enlightenment for supply chain finance in other small and medium-sized local commercial banks in China through case analysis.