| As a kind of high-grade building decoration material,stone is widely used in indoor and outdoor decoration design,curtain wall decoration and public facilities construction.Since the 1990 s,stone industry,as the upstream industry of the supply chain of real estate industry and public infrastructure related industries,has made great contributions to the development of domestic real estate market and infrastructure construction.China’s stone production bases are mainly distributed in Fujian,Guangdong,Guangxi and Shandong provinces.In Fujian Province,the most famous stone industry cluster is in Nan’an City,Quanzhou.In Nan’an City,the stone industry has become the main economic pillar industry.Affected by the domestic economic downturn,located in Nan’an City,many small and medium stone enterprises reshuffle,bank debt default on a large scale outbreak.Commercial banks to control new non-performing loans,credit policy gradually become conservative.In view of the current financing difficulties of small and medium-sized enterprises in China,small and medium-sized enterprises in the stone industry want to get the financial support of commercial banks,is becoming increasingly difficult.Based on the theory of supply chain finance,this paper analyzes and compares different types of enterprises,and looks for the supply chain financial service scheme suitable for Nan’an local stone industry from the three modules of inventory,accounts receivable and accounts payable,and puts forward relevant risk control suggestions.The study is based on the actual stone industry credit business carried out in A bank at this stage,carried out an in-depth analysis,excavated the potential problems and shortcomings at this stage,and on the basis of the industry model,for the bank in specific areas of the improvement and optimization of the credit business model put forward a practical and feasible program,is conducive to further promotion and application,so as to make it more practical. |
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