Research On Internet Supply Chain Finance Innovation Of China Everbright Bank

Supply chain finance is the product of adapting to the development of modern economy,It realizes the unification of business flow,logistics,information flow and capital flow,effectively alleviate the capital pressure of core enterprises and bank credit line idle waste problems,small and medium-sized enterprises liquidity problems,Banks and other financial institutions idle assets and risk problems.In the past three years,China has introduced a number of policies to support the development of supply chain finance.In addition to the continuous development of the Internet sector,it has become an inevitable trend for the development of supply chain finance to transform the traditional supply chain finance model into the Internet supply chain finance model.This dissertation uses the literature analysis method,combing and summarizing the research situation of supply chain finance at home and abroad,with case analysis,take supply chain finance Innovation of China Everbright Bank as an example,use of comparative analysis and business process analysis,makes a systematic study of the supply chain finance model,risk control and development direction,and puts forward problems and solutions from aspects of brand promotion,risk control,system construction and talent cultivation.This dissertation first introduces the significance and development of supply chain finance and the necessity for Banks to develop and innovate in supply chain finance.Secondly,it analyzes the common Internet supply chain finance modes,and focuses on analyzing the characteristics of the Internet supply chain finance mode dominated by commercial Banks.Thirdly,taking the supply chain finance products of China Everbright Bank as an example,this dissertation introduces and analyzes its supply chain finance product model,and studies its development trend of supply chain finance,as well as the existing problems of Internet supply chain finance products at the present stage.Finally,based on the above analysis,this dissertation points out the problems existing in Internet supply chain finance products of China Everbright Bank at the present stage and puts forward countermeasures.This dissertation main research conclusion are: At present,the Internet supply chain finance innovation of China Everbright Bank mainly focuses on platform construction."Sunshine supply chain cloud platform" is an Internet cloud platform developed by China Everbright Bank and capable of providing customers with online supply chain finance comprehensive services.It has realized the cooperation between China Everbright Bank and the high-quality industrial chain and built the "industrial chain finance ecosystem".The whole-process electronic operation improves the operation convenience of supply chain finance products.The electronic signature technology solves the difficulty in completing the buyer's right confirmation procedures and the risk of enterprises using false seals to obtain loans in traditional supply chain finance.However,while the Internet supply chain finance solves the old problems,it also creates new problems.China Everbright Bank should expand the scope of application of its products to meet the personalized needs of customers and improve the brand competitiveness.At the same time,we should also pay attention to risks,improve the risk control system of Internet supply chain finance,link up the third-party system database,and use big data technology to grasp and analyze the information of the supply chain to predict risks.If China Everbright bank wants to make full use of big data,it must improve the system construction and increase the data collection and analysis function of the platform system.The system construction cannot be separated from scientific and technological personnel,and the communication cost in the form of scientific and technological outsourcing is high.In the future,it should increase the input of human cost,actively introduce scientific and technological talents and strengthen internal training.Cultivate interdisciplinary talents in science,technology and finance.