Three financing modes of supply chain finance

The three traditional forms of supply chain financing are accounts receivable financing, inventory financing and prepayment financing. In domestic practice in 2022, commercial banks or supply chain enterprises are the main participants in supply chain finance business. Because the research object of this series is supply chain enterprises, we mainly take supply chain enterprises as service providers when introducing supply chain financial models.

Banks manage the capital flow, logistics and information flow of upstream and downstream small and medium-sized enterprises around the core enterprises, transforming the uncontrollable risk of a single enterprise into the controllable risk of the whole supply chain enterprise, obtaining all kinds of information in a three-dimensional way, and controlling the risk at the lowest financial service.

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"Supply chain finance" has developed rapidly because of its win-win effect of "effectively solving the financing problem of small and medium-sized enterprises and extending the in-depth service of banks".

First, new financing channels for enterprises.

Supply chain finance provides a solution to the concept and technical bottleneck of SME financing, and the SME credit market is no longer out of reach.

Supply chain finance began to enter the sight of many large enterprise finance directors. For them, supply chain finance, as a new financing channel, not only helps to make up for the traditional liquidity loan quota compressed by banks, but also reduces their liquidity demand level through the introduction of financing facilities by upstream and downstream enterprises.

Second, new channels for banks to open sources.

Supply chain finance provides a new channel for cutting wild and stabilizing high-end customers. Through a package solution for the members of the supply chain system, the core enterprises are "bound" to the banks that provide services.

The main reason why supply chain finance attracts international banks so much is that it is more profitable than traditional business and provides more valuable opportunities to strengthen customer relations. In the context of the financial crisis, the above reasons are more sufficient. The potential market of supply chain finance is huge. According to UPS's estimation, the stock of accounts receivable in the global market is about $ 654.38+0.3 trillion, while the market potentials of accounts payable discount and asset-backed loans (including inventory financing) reach $65.438+000 billion and $340 billion respectively. By 2022 and 2008, 46 of the 50 largest banks in the world will provide supply chain financing services to enterprises, and the remaining 4 are also actively planning to carry out this business.

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