Research On The Optimization Of ZS Bank’s Supply Chain Financial Business Model

In recent years,the trend of platformization and intelligence has developed rapidly,and China’s economy has entered a critical period of transformation and development.The number of small and medium-sized enterprises is increasing day by day and gradually become an important part of national economic development.In order to better support the orderly and healthy development of small and medium-sized enterprises,the central and local governments have issued policies to support small and medium-sized enterprises,especially the construction of small and micro enterprises.However,the current financing difficulties of small and medium-sized enterprises still exist.The new normal development of financial economy has brought new financing modes and platform channels to China’s capital market,such as financing by financial institutions,debt and stock market financing,leasing financing and so on.The current financing method of small and medium-sized enterprises is mainly bank lending.However,the capital cost of bank loans is high,the approval procedures are complicated,and the operation and management methods of small and medium-sized enterprises are complicated,and the financial situation is not standardized enough,which all lead to difficulties in the process of bank lending of small and medium-sized enterprises.Therefore,supply chain finance business was born in this dilemma,hoping to solve the financing problem of small and medium-sized enterprises.China’s commercial banks have launched various forms and methods of supply chain financial products,innovative traditional credit models,to meet the small and medium-sized enterprises in the industry chain "supply-production-sales" and other alleviated capital needs.Application of supply chain of commercial bank financial products,to help upstream and downstream enterprises to carry out cooperation operations,not only can solve the financing problems of enterprise,enhance marketing performance can also help the core enterprise,makes the commercial reputation and marketing environment,as well as the sustainable development of commercial Banks has attracted more stable customer base,won more working capital and deposit,The revenue and profit of commercial banks’ off-balance sheet business and intermediary business have been greatly improved.However,in the operation of supply chain finance business,commercial banks have encountered many difficulties and drawbacks,and even hindered the financing channels of small and medium-sized enterprises.They did not fully consider the real capital needs of upstream and downstream and core enterprises,resulting in the lag of industrial chain and other situations.Therefore,the research on the supply chain of commercial bank financial business model,to a better understanding of the supply chain finance business development of commercial Banks,to help commercial Banks to control the direction of the financing credit,the establishment of the innovation of supply chain finance business model at the same time,allow it to better service the financial market,demonstrating to belong to the commercial bank supply chain finance business model of vigor and vitality.This paper takes ZS Bank as the research object,by analyzing the current economic and financial background and the research significance of the supply chain finance business model,and using the method of case analysis,the research on the supply chain finance business model of ZS Bank is carried out.Based on the theory of supply chain finance and information asymmetry,this paper first explores the current situation of ZS Bank’s supply chain finance business,and analyzes the problems and reasons for its development.potential credit risk issues.After analyzing the supply chain financial products and specific conditions of ZS Bank,it further studies the supply chain financial service model of ZS Bank’s "blockchain + Internet",and introduces the upstream and downstream enterprises respectively.Afterwards,it analyzes and evaluates the supply chain finance business model of ZS Bank,and expounds specific suggestions for the optimization of its supply chain finance business model from the perspectives of information technology construction,innovative products and risk management.Finally,summarize and put forward countermeasures in a targeted manner,hoping to be helpful to the development of ZS Bank’s supply chain financial model business.