Research On Y Group Supply Chain Financial Development Model

Small and medium-sized enterprises(SMEs)are currently an important driving force for China's economic development.Although the government is also releasing policy dividends,financing difficulties still exist for SMEs.It is the business environment of enterprises that is optimized by policy reform,while the improvement of financial environment lags behind in providing new financing measures.Small and medium-sized enterprises are unable to continue operations,how to talk about industrial upgrading and innovation.Small and medium-sized enterprises financing difficult,has become a threshold for enterprises to break through the shackles for many years.Capital chain of enterprises have been closed,a large number of small and medium-sized enterprises in need of blood transfusion.To finance SMEs,Banks and other financial institutions began to try,using the western part of the more advanced concepts and practices of supply chain finance at that time,to provide funds for SMEs to generate information such as receivables and payables in the business,resulting in high bad debt rate and failure.The second stage is that the core enterprises take their own credit as the way to increase the credit of small and micro enterprises,but it is difficult to introduce external funds.In the third stage,logistics finance and other businesses represented by large state-owned logistics companies were mainly involved.Many domestic Banks cooperated with logistics companies to carry out chattel pledge supervision and other contents.With frequent business risks,Banks gradually reduced their business scale.Y group is an epitome of the business development mode of the third stage of supply chain finance.By studying the problems encountered in the development of individual cases,it has certain reference value for the practical operation in the industry.Y group as linyi city large-scale financial industry enterprise,has a number of business synergy,also accumulated more experience in risk,but also many times to seek business development mode innovation,therefore,for the plight of the supply chain finance business,how to innovate,how to provide security for innovation,has become the fundamental starting point of this article.Aiming at the core of "the development mode of supply chain finance",this paper first explains the research development path of supply chain finance,the research value and thebasic connotation of supply chain finance.Secondly,it introduces the business advantages of Y group,and explains the current situation,characteristics and major risks of the business development of the original supply chain finance business by means of statistical data,so as to lead to the demand of transformation and upgrading.Next,it introduces the necessity of transformation and upgrading,as well as the specific implementation plan of transformation and upgrading,and puts forward the safeguard measures of the development mode of supply chain finance.Finally,the effect expectation of transformation and upgrading and the prospect of future development are put forward.Through the research on the business development mode of supply chain finance of Y group,this paper aims to reduce the risk of each participant,through various transformation and upgrading,and continuously energize supply chain finance with the support of cutting-edge technologies.The redesigned business model solves the original financial risks to a certain extent,promotes the development of common demand through the study of Y group's personality,and hopes to provide ideas for the business transformation and development of similar enterprises.