Research On The Design Of Supply Chain Financial Scheme Of ZS Bank

Small and medium-sized enterprises play an important role in China’s economic and social development.However,due to small capital scale,poor credit status,weak ability to resist risks,and irregular internal management systems,SMEs have greatly increased their limited in financing channels,financing methods and financing prices.In the context of financial supply-side reform,supply chain finance,as an innovative model to facilitate financing for small and medium-sized enterprises,has attracted more from commercial banks.Supply chain finance provides comprehensive financial services to all participants in the supply chain through the efficient integration of information flow,physical logistics,and capital flow.Based on the above background,how ZS Bank develops supply chain financial business,serves SMEs more efficiently,and injects vitality into the real economy has become a historical mission entrusted by the times.For ZS Bank’s supply chain finance business,providing customers with an effective package of supply chain finance financing solutions has become the main problem of this thesis.First of all,the author of this thesis has reviewed and studied domestic and foreign supply chain finance business literature,sorted out the relevant basic theories,and summarized the innovation trend.Based on the combination of theory and practice,ZS Bank has been integrated with the advantages of financial technology innovation,and a detailed evaluation of the development status,innovation direction and existing deficiencies of ZS Bank’s supply chain financial business.The research believes that ZS Bank’s platform-based supply chain financial services is a major innovation in ZS Bank’s business operation and development by redefining the bank’s operation mode,credit intermediary function,service intermediary function,credit risk management and control,and bank organization form.Secondly,the LGG Group is selected as the research object of the core enterprise of the supply chain,and the LGG Group supply chain financial scheme based on the upstream accounts receivable scenario and the downstream sales scenario is designed,and the commercial value of the scheme is evaluated.Finally,the basic guarantee measures for ZS Bank’s implementation of supply chain finance plan are given,the risk prevention and control measures of financing plan are discussed,and suggestions for improving ZS Bank’s supply chain finance plan are given.This thesis summarizes the main models of ZS Bank’s supply chain financial business based on the platform,and gives the applicable scenarios and access conditions of the model,which has a certain reference value for relevant financial institutions to carry out supply chain financial business.Meanwhile,based on the development practice of supply chain finance of ZS Bank,on the basis of in-depth investigation and comprehensive analysis of the case enterprise LGG Group,a supply chain finance solution that is conducive to the development of core enterprises and reduces the financing cost of upstream and downstream SMEs is designed,and The implementation of guarantee and risk control measures is proposed,which has certain reference value for ZS Bank to develop supply chain financial business and how LGG Group can better cooperate with ZS Bank to jointly develop supply chain financial business.