Study On Optimization Of Supply Chain Finance Mode Of Textile And Garment Enterprises In ShiHezi

The global economic recovery is slow,especially China's economy is in an important period of slow growth,structural transformation and upgrading.The living environment of many small and medium-sized enterprises in all walks of life has gradually deteriorated,and the demand for financial services is particularly urgent.Xinjiang is far away from the main market,and many enterprises are lack of competitiveness compared with the mainland enterprises.Xinjiang has rich textile raw materials and a long history of cotton planting.With the continuous promotion of the core area of the Silk Road Economic Belt,the textile and garment industry in Xinjiang develops rapidly and its textile scale is relatively mature depending on the advantages of textile raw materials and national policies.However,there are also a series of problems in the development of textile and garment enterprises,among which the financing is very difficult and expensive.Due to the particularity of the textile and garment industry,the loan cycle is long,the profit is low and the risk is high,and most of them are small and medium-sized enterprises,which contradicts with the demands of banks and other financial institutions to pursue profit and avoid risk,which seriously affects the enthusiasm and service level of other financial institutions such as banks and non banks to provide financial support to textile and garment enterprises,thus leading to the capital of textile and garment enterprises The increase of gold pressure has seriously hindered the development of textile and garment enterprises.The development of finance is inseparable from the support of the real economy.Integrating the supply chain finance model into the textile and clothing industry is conducive to the development of the real economy and the finance can better serve the real economy to achieve a win-win situation.In this paper,Shihezi textile and garment enterprises as the research object,through literature research,field research and case analysis,the supply chain financial model of textile and garment enterprises is analyzed and studied.First of all,the paper summarizes and combs the relevant literature such as supply chain finance,financing problems of small and medium-sized enterprises and the development process of textile and clothing industry,and then combs the relevant concepts and basic theories of supply chain finance,which paves the way for the following writing;secondly,it introduces the financing status and supply chain finance status of Shihezi textile and clothing enterprises.On this basis,through the investigation of Shihezi textile and clothing enterprises' supply chain financial business development,and selected three representative enterprises,the enterprises used different types of supply chain financial models in the purchase,production and sales stages,respectively,prepayment model,inventory pledge model and accounts receivable model.This paper analyzes the different supply chain financial models of three representative enterprises,introduces the participants in the supply chain in detail,expounds the specific operation process and financing effect,and based on the textile and garment industry in Shihezi City,analyzes the problems existing in the supply chain financial model of textile and garment enterprises,and finally puts forward a series of optimization construction based on the local actual situation Discussion.The research shows that the supply chain financial model of Shihezi textile and garment enterprises is in the initial stage of exploration,there are a series of problems,but also contains many risk points.Therefore,this paper proposes to strengthen the risk control of supply chain finance,reduce information asymmetry and improve operation efficiency through blockchain,big data,Internet of things,5g and other technologies;at the same time,it is necessary to strengthen the training of professionals engaged in supply chain finance business,make full use of local educational resources and scientific research forces,cultivate a number of professional talents,and provide better services At the same time,we need to improve the national laws and regulations on supply chain finance,provide a good development environment for the main body of supply chain finance and other suggestions,provide reference for the small and medium-sized enterprises represented by textile and garment enterprises to solve financing problems,and better promote economic development.