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Supply chain finance development

2019-12-04 来源: 51Due教员组 类别: 更多范文

下面为大家整理一篇优秀的assignment代写范文- Supply chain finance development,供大家参考学习,这篇论文讨论了供应链金融。供应链金融业务涉及动产的抵押机制,所以对动产的评估极为重要,不完善的动产评估系统会增加商行的授信风险,使可避免的损失出现,想要高效降低供应链金融中的风险,就必须研究透彻,建立健全的动产评估体系。以往的商行信贷模式对比,供应链金融最显著的不同是它的授信方式的变化。

Supply chain finance,供应链金融,assignment代写,paper代写,北美作业代写

Mechanism of supply chain finance business involves the chattel mortgage, so evaluation is very important for personal property, incomplete personal property assessment system can increase the firm's credit risk, to avoid losses, to efficiently reduce the risks in the financial supply chain, it is necessary to research thoroughly, establishing and perfecting the system of personal property assessment.

In providing financial services, supply chain is bound to use current assets mortgage system, but for personal property assessment, not perfect personal property assessment system let businesses suffer, firm's credit risk is greatly enhanced. America's liquidity pledge accounts for 70 per cent of the financing of small and medium-sized enterprises, which is one of the most robust and most developed countries in the supply chain. Therefore, the imperfect evaluation system is destined to become a stumbling block in the growth of supply chain finance.

Compared to the financial supply chain products of developed countries, our country's innovation ability of supply chain of goods, there is a certain gap research of the market is still not clear, research and development of the commodity and corporate financing needs can not match exactly. For some listed commodities, the firm has not fully displayed the service advantages of the supply chain finance, but then used the credit services such as accounts payable financing and credit financing.

At the same time, the lack of the policies and laws of the ownership of a financial professional knowledge make the firm's mode of operation can be copied easily, commercial Banks overall homogeneity competition is extremely obvious. In addition, even the cooperation between firms and logistics companies has little to do with the efficiency of business operations. In terms of guarantee, the development of accounts receivable financing services is better and more mature. Inventory impawn financing business, though this time better growth, but the business in the choice and restrictions, the pledge for the business, the current main is to provide service for flow-through enterprise, so the management of the inventory form mainly public warehouse. The most typical commodity is the trade financing commodity offered by deep distribution, which includes structured short-term financing services that provide prepaid, inventory and receivable assets. Such services are traditional trade financing given on the basis of the enterprise's own rating, as well as the self-compensation trade financing on the basis of single debt rating. The business of other firms is basically the same as this commodity, lacking distinctive features.

Before popular though, the financial commodity supply chain to process in the supply chain have enough money, but because of the marketization of interest rate is not, it is the highest profit also can hardly more than the traditional profit mode of the firm, the firm as the core of supply chain finance innovation ability is not strong enough. So competition on the market at present the most common way is through price competition, the company when choosing different Banks provide the same service in a proactive position, lead to some businesses considering traffic, to the enterprise credit too much even long credit, has greatly increased its own credit risk, is likely to make Banks bear the unnecessary loss.

Compared with previous business credit models, the most significant difference in supply chain finance is the change of credit mode. Business credit service credit way past is based on the balance sheet and other financial statements as the main reference object, object to the application for the determination of specific situation again credit decisions, but the supply chain finance is not the case. Businesses in the supply chain finance to reduce the weight of the financial statements of the application object, not only focus on the object's value category of industry, real estate, financial index and guarantee form, etc., but the value object of single transactions and the comprehensive strength of the core of supply chain companies and credit rating, which means that the firm is to determine the credibility of the supply chain as a whole level, the need to control the risk of supply chain. The potential risks of each step of the supply chain are identified and controlled, and the management costs are greatly increased.

In view of the change of the credit rating model of small and medium-sized enterprises, the firm will need to create a new credit rating system, apply it in the supply chain financial service, and carry out the credit evaluation to the credit recipients. At present, China's social credit collection system and the construction of credit intermediary institutions have just started, and the information of small and medium-sized enterprises is especially lacking. The information of smes cannot be effectively collected and accurately rated, which will make it difficult to expand the supply chain financial services of firms and bring great credit risks. At the same time, there is no mechanism for the punishment of dishonesty.

In a petrochemical company as an example, the company size in leading domestic fuel distribution industry, bulk fuel oil import and export trade is the main operating business, namely buy fuel abroad and sold domestically. In 2008, due to the economic crisis spread to commodity prices fell, fuel prices are the same, the domestic distribution industry is a huge impact, lower income, industry business income of a bleak. But the petroleum and chemical company's financial statement, said the company in 2008, still have profit, the credit amount is rising trend, and it has exceeded the number of the bank and the six, three in the credit amount is up to hundreds of millions of yuan. According to the survey, the company can easily financing is the cause of the company in business and firm, good reputation, can pay off the debt on time, and has good reputation and high reputation in the fuel industry. Commercial Banks and other financial institutions are more lax in their supervision of the company's credit funds, and their business checks are looser. In addition, the bank is limited by its own strength, can not timely understand the company's daily capital transactions.

Before long, the company was liquidated because of operational problems, and three of its businesses were affected and suffered huge losses when they failed to recover their credit in time. Through investigating, the company by using the methods of delay after make out an invoice, and billing, disguise business lose money in business, fabricating false profits, to obtain the trust of the other companies after obtaining a large number of credit funds.

Can be seen from the above example, China's current supply chain financial service in the credit system is not perfect, firm when choosing credit enterprise lack of perfect rules and regulations, and not of a tracking mechanism for credit object; After the loan is released, there is no timely monitoring of the capital movements of the financing objects; Businesses in reception part is called "big business", easily affected by their reputation, subjective assessment of their trading background, investigating the situation of their real business degree. The credit system of large enterprises is not perfect, especially the situation of small and medium-sized enterprises is not optimistic, so it is urgent to establish a perfect credit system.

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