1. Construct a multidimensional real-time risk index evaluation framework. Compared with traditional financial services, supply chain financial risks are dynamic, transitive and complex. This determines that it is difficult to avoid the occurrence and spread of supply chain financial risks by relying on traditional credit analysis methods for the operation and financing of financing enterprises.
Therefore, through big data analysis, multi-dimensional portrait of financiers, combining qualitative analysis with quantitative analysis, and establishing a comprehensive real-time financial risk assessment model will become the main risk prevention and control means of supply chain finance in the future.
2. Strengthen the talent pool of supply chain finance. With the continuous improvement and perfection of the concept, mode and technology of supply chain finance, the comprehensive quality requirements of its employees have also been significantly improved, not only to master the traditional financing methods and skills.
Internet plus's innovative consciousness and financial knowledge are needed, and compound professionals with excellent risk analysis ability and transaction control ability are needed. Therefore, the training and reserve of supply chain finance professionals in the future will become one of the core risk control competitiveness of supply chain finance enterprises.
Extended data
Supply chain financing is closely related to supply chain management. Supply chain management is a management model for the supply chain network of core enterprises, and supply chain financing is a business model for banks or financial institutions to provide financial services for all node enterprises in the supply chain of core enterprises.
Supply chain is a functional network chain structure around core enterprises, which connects suppliers, manufacturers, distributors, retailers and end users into a whole by controlling information flow, logistics and capital flow. Starting from purchasing raw materials, it manufactures intermediate products and final products, and finally delivers products to consumers through sales network.
It is not only the logistics chain, information chain and capital chain connecting suppliers and users, but also the value-added chain. Materials in the supply chain increase in value due to processing, packaging and transportation, which brings benefits to related enterprises.
The core enterprise of the supply chain is usually the manufacturer. On the one hand, the supply chain presents a network structure dominated by core enterprises, which determines that the financial strength of supporting enterprises in the supply chain does not match the core enterprises, and supporting enterprises are in a weak position in the capital chain; Moreover, due to the strength of core enterprises, supporting enterprises are at a disadvantage in information and negotiation, which in turn leads to the further strengthening of their capital needs.
On the other hand, fixed assets only account for a small part of the assets of supporting enterprises, and liquidity, inventory and raw materials are the main forms of their assets, while the credit rating of supporting enterprises is generally low, which makes it difficult for supporting enterprises to obtain loan services provided by means of fixed assets mortgage guarantee from banks or financial institutions.
Logistics, capital flow and information flow are the three major elements of supply chain operation. The gap supporting enterprise capital flow will be difficult to maintain the continuity of supply chain, and will also cause the loss and waste of resources.
Baidu encyclopedia-supply chain financing