The Study Of Chain Finance Facilitating The Development Of The Tobacco Industry Of H Bank

Finance is the "main artery" of industrial development.Without financial support,there would be no industrial prosperity.The development of the financial service industry should be based on the perspective of the industrial chain,and consider from the perspective of what kind of financial services the industrial chain needs,rather than simply taking the interests of banks as the standard.In the traditional credit service model,there are problems such as uncoordinated products and demand,insufficient information exchange,and greater financing pressure for small and medium-sized enterprises.Industry chain finance is the best way to solve the above problems.It starts from the overall perspective of the industry chain.Not only can it provide financial communication services for disadvantaged enterprises,but also build a comprehensive service platform for the industrial chain,promote the interconnection of information within the industrial chain,enhance the ability of coordinated development of all links in the industrial chain,and bring a win-win"situation to the participants in the industrial chain.H Bank has formulated a series of industrial chain financial products to help the development of Yunnan tobacco industry.This practice also won the 2020 IDC China Digital Transformation Excellence Award.The paper aims to analyze the case of H Bank's industrial chain financial services for the development of Yunnan tobacco industry,Discovery and summarize the development experience of industry chain finance,and put forward reasonable opinions for other economic entities in our country to carry out industry chain finance business.The thesis first introduces the relevant theories of industrial chain and industrial chain finance,summarizes the research status of industrial chain and the difference between industrial chain finance and supply chain finance,three mainstream service models and their respective advantages and disadvantages,and lays a theoretical foundation for the following article;Then introduced the case of H Bank assisting the development of Yunnan tobacco industry,including its specific methods,designed financial products and current results.It also compared H Bank's tobacco loan products with other financial institutions and found H Bank's products It does have the advantages of low interest rates,fast lending speed,and wide product coverage;once again,from the perspective of the tobacco industry value chain,analyze the composition and characteristics of the tobacco industry chain in Yunnan Province,the opportunity to enter the industry chain finance,and what H Bank has in developing tobacco industry chain financial services It focuses on the analysis of the success points and shortcomings of the integration of H Bank's industry chain finance with the tobacco industry.Finally,it puts forward three suggestions for H Bank to develop financial services in the tobacco industry chain.Based on the summary,four requirements are put forward for the creation of the industrial chain:one is to select a good industry,the other is to select suitable core enterprises to play their leading role,and the third is to make full use of modern technology to innovate products and services,and the fourth is Strive to obtain government and policy support.