Research On Inventory Pledge Financing Business Of JDSK Company

Inventory pledge financing is a practical and innovative financial product in recent years.It is a kind of short-term liquidity credit business that the borrower pledges its own movable property(including purchased goods,raw materials,inventory products,etc.)or goods right to the financial institution.The financial institution issues a short-term liquidity credit business through possession or supervision of the pledged property.The product better solves the problem of the enterprise The problems of difficult and expensive financing not only enrich the business model of financial institutions,but also are well received by enterprises and financial circles.Based on the background of Internet financial institutions' business,this paper takes inventory pledge financing business as the research object,analyzes the development and problems of JDSK company's inventory pledge financing business,and puts forward corresponding solutions.The specific research work of this paper is as follows:(1)based on the introduction of the background,significance and research status of inventory pledge financing business,the research ideas and methods of this paper are clarified,and the implementation scheme is briefly introduced.(2)This paper introduces the concept,relevant theories,characteristics,models and risks of inventory pledge financing business,and briefly analyzes the factors affecting inventory pledge financing business.(3)This paper briefly introduces the background of JD group and JDSKcompany,the relationship between JDSK company and JD group,and expounds the development status,advantages and disadvantages of JDSK company's inventory pledge financing business,focusing on the analysis of the existing problems of JDSK company's inventory pledge financing business,mainly including policy and system problems,internal communication problems,business model problems,business risk problems and market competition problems.The root causes of the above problems are analyzed in detail by means of fishbone diagram analysis.(4)In view of the problems existing in JDSK 's carrying out inventory pledge financing business,this paper puts forward corresponding solutions by combining theory with practice,information analysis,comparative analysis and other methods.(5)This paper comprehensively summarizes the research on the inventory pledge financing business of JDSK company,and looks forward to the future development of the inventory pledge financing business.Based on the previous research on inventory pledge financing business,this paper analyzes some business problems and puts forward corresponding solutions from the perspective of financial institutions,combined with the actual situation of JDSK company's inventory pledge financing business.This study is not only of great significance to JDSK company,but also of great reference value to other financial institutions to carry out inventory pledge financing business.