Research On Pingan Bank Supply Chain Financial Business Model And Risk Control

Along with the current transformation of China’s new economic kinetic energy and the continual stimulation of market vitality,coupled with the vigorous promotion of the "mass entrepreneurship and innovation",the number of real enterprises in China has experienced explosive growth,and the growth rate of SMEs is unique,achieved a leap-forward development.However,the current financing and financing difficulties for SMEs have not been effectively resolved.In view of the information asymmetry between financial institutions and SMEs and the lack of mortgage guarantees for SMEs,commercial banks must consider the dangers of moral hazard and adverse selection that SMEs may face,rather than lending to SMEs,resulting in The large base of small businesses and the current financing situation are always difficult to resolve and overcome.The current commercial banks in China are faced with the end of interest rate marketization reform and the implementation of new asset regulations,which have caused banks to fall into the dilemma of narrowing interest rate gains and development transformation.With the country’s concern about solving the financing difficulties of SMEs,the government has successively issued a series of policy measures to support SME financing and encourage commercial banking business innovation.Commercial bank supply chain financial business has become an important focus and focus of China’s financial supply side reform.This paper starts from the perspective of case study,and the research object is Pingan Bank’s supply chain finance business.As a pioneer of domestic supply chain finance business,Ping An Bank has experienced more than ten years of continuous exploration and development,and it is undoubtedly worthy of focus on analysis and research.The main contents of the research are as follows:First,the basic theory of supply chain finance,the status quo of China’s banking supply chain finance and the basic business model that has been formed are used as the research basis of the full text.Second,from the basic situation of Ping An Bank to the development of supply chain financial business to the specific analysis of the operation mode of Ping An Bank’s supply chain financial business,it is gradually explored.The Orange e-Net financing chain products around the online supply chain financial comprehensive service platform were analyzed in the order of accounts receivable,inventory and prepayments.After that,a SWOT analysis was conducted for Ping An Bank’s supply chain financial business.Third,on the basis of the second part of the analysis and research,the risk related to the financial business model of Ping An Bank’s supply chain is proposed,which is classified according to its own risks,business model endogenous risks and related external risks.Fourth,on the basis of the third part of the risk analysis,some corresponding risk control measures are given for reference.The study found that Ping An Bank’s supply chain financial business products have high innovation and Orange e platform technology and finance are leading,but the business development risk is still worthy of attention,especially in the operation management of the Orange e electronic platform,because of the electronic supply.Chain is inevitably the mainstream direction facing commercial banks in the future.The purpose of this paper is to help optimize the improvement and expansion of Ping An Bank’s supply chain financial business,so that it can truly correct and summarize its own real problems,so that more financing problems for SMEs can be solved.The business provides an experience sharing and ultimately achieves multi-win.