Research On Development Countermeasures Of Eternal Asia 380 Financial Services

The financing difficulty of small and micro enterprises has a long history,and the FMCG circulation industry is no exception.Manufacturer finance,bank financing and other existing financing channels,to a certain extent,meet the financing needs of small and micro enterprises in the industry,but in practice there is still the problem of low credit satisfaction rate.The reason lies in the serious mismatch between the operation characteristics and financing demands of small and micro enterprises in FMCG circulation industry and the existing financing channels.FMCG distribution and related supply chain services are the featured businesses and major revenue segments of Eternal Asia.EA,as the core enterprise of the supply chain,also participates in the supply chain financial system dominated by commercial Banks.In FMCG in-depth integration of the supply chain process,EA realized that the supply chain financing of small micro enterprise financing demand in the industry with the highest degree of match,but there are still two bottlenecks,one is in the supply chain of FMCG constitute the majority of the core enterprise itself is small and medium-sized enterprises,itself need external credit,so for the upstream and downstream small micro enterprise credit ability is limited,the second is FMCG interwoven into supply chain network,the same small micro enterprise may become more downstream of the core enterprises of the supply chain at the same time,based on a single core enterprise financing can't cover the overall demand.For introducing institutional money into the small micro enterprise in the industry of the capillaries,support the development of the industry to better,faster,more healthy,and carry on the financial innovation,adjust the role positioning,in continue to serve as a bank,on the basis of supply chain core enterprise financial outsourcing industry in large supply chain core enterprise supply chain finance service,at the same time provide credit guarantee for small and medium-sized core enterprise supply chain,and integrating and meet the demand of multiple package of money supply chain.The business team and financial service system,namely 380 financial service platform,have been established.After the launch of 380 financial service platform,it has been recognized by the market to a certain extent,which has formed an effective supplement to the financing needs of the industry.However,with the continuous operation and expansion of the platform,the defects and deficiencies,such as the single source of funds and the lack of differentiation of product elements,are gradually exposed.If these problems cannot be solved in time,they will affect the function and effect of 380 financial service platform on financing of small and micro enterprises in FMCG circulation industry,and have a negative impact on the normal operation and development of the platform.This paper puts forward some Suggestions and countermeasures.Firstly,this paper defines the concepts of supply chain,supply chain finance and FMCG circulation industry,and reviews and reviews the previous studies in such subdivided fields as FMCG,small and micro enterprise financing,supply chain finance,EA and financial product marketing,clarifies the research contents and methods,and affirms the innovation.Then it describes and discusses the overall development status and financing status of China's FMCG circulation industry,and explores the causes of financing needs of small and micro enterprises in the industry.Based on the above discussion,this paper makes a comparative analysis of the existing financing channels of small and micro enterprises in the industry,Outlines the business model and products of EA and EA 380 financial service platform,finds out the deficiencies in the operation of 380 financial service platform,and then puts forward targeted optimization Suggestions and countermeasures.