Practice Analysis Of Supply Chain Finance In Non-bank Financial Institutions

Small and medium-sized enterprises are an important part of the national economy and have made great contributions to the national economic development.However,they are often faced with financing difficulties in the development process,especially when there is economic depression and continuous economic and trade frictions and conflicts between China and the United States which make it worse.However,due to the reality of Small and medium-sized enterprises and China's financial system,it is not easy for Small and medium-sized enterprises to obtain support of bank credit.Although the government has issued various policies to support the economic development of domestic small and medium-sized enterprises at the macro level,the problem of financing has not been solved effectively.To some extent,the emergence of supply chain finance can solve this problem and with the penetration of supply chain finance in the national economy,more and more small and medium-sized enterprises are benefited from supply chain finance business so that improve the competitiveness of the whole industrial chain.Supply chain finance is based on the capital flow,information flow and logistics between upstream and downstream small and medium-sized enterprises in the supply chain,providing comprehensive financial services such as financing,settlement and information for small and medium-sized enterprises.It emphasizes the real trade background and the lasting and stable relationship between cooperative enterprises,and downplays the qualification requirements for financing enterprises.Therefore,it lowers the financing threshold for small and medium-sized enterprises and helps small and medium-sized enterprises in the upstream and downstream of the supply chain to solve financing problems.Supply chain finance usually provides financial support to small and medium-sized enterprises in the supply chain led by Banks and core enterprises.At the present stage,China's supply chain finance business is booming.The main body of supply chain finance includes not only Banks,core enterprises,but also logistics companies,e-commerce enterprises,non-bank financial institutions and other main bodies.M company is a small and medium-sized private financial group.This paper discusses the operation mode and risk analysis of its supply chain finance from the perspective of M company,a non-bank financial institution.Firstly,this paper briefly analyzes supply chain finance from the theoretical aspect,and introduces the basic mode of supply chain finance from the definition of supply chain finance.After that,it briefly introduces the current mainstream supply chain finance operation mode and mainstream products.Secondly,based on the actual case of M company,this paper analyzes the necessity of M company's supply chain finance businessfrom the perspective of SWOT analysis.This paper discusses the supply chain financing business and inventory pledge business of M company,and analyzes the business process and risk control measures of its supply chain finance business.Finally,the paper briefly evaluates the effect of M company's supply chain finance business,analyzes the existing problems of M company's supply chain finance business,and puts forward relevant countermeasures.By studying the operation mode and practice of M company's supply chain financial products,this paper discusses some common problems existing in the supply chain financial business of small and medium-sized non-bank financial institutions,hoping to provide reference and inspiration for other institutions to develop supply chain financial business.