faced with a blue ocean market whose output value is expected to reach 15 trillion yuan in 2020, commercial banks have taken supply chain finance as the focal point and new business breakthrough in the process of strategic transformation.
in recent years, small and medium-sized banks have begun to set up in this field in order to provide new impetus for the transformation and development. aiming at this phenomenon, one zhang tong, deputy general manager of supply chain finance zhuanghai recently in an interview with "securities journal" reporter said: "the development of supply chain finance business, the most important thing is that the business for small and medium-sized banks breakthrough."
supply chain financial mitigation
financing is difficult for smes
at present, the financial service of small and medium-sized enterprises has become an important link to promote the financial supply-side structural reform and enhance the financial service ability of the real economy, and the supply chain finance has also become an important breakthrough to solve the financing problems of these enterprises.
on june 27th at china supply chain financial peak bbs, the full-time vice chairman of china association of small and medium enterprises ma bin said, with a series of policy implementation, small and medium enterprises "financing difficult", the problem of "financing expensive" although eased to some extent, but not met such enterprise financing and the situation of the high cost of financing is still there, which makes original anti-risk ability is weaker in small and medium-sized enterprise situation more difficult.
as an important financing channel for small and medium-sized enterprises, supply chain finance can effectively transform the uncontrollable risks of individual enterprises into the controllable risks of the whole supply chain enterprises through advanced management of small and medium-sized enterprises and accounts receivable risk management. fundamentally changed the risk management model, let banks dare to lend, can lend, willing to lend, so that small and medium-sized enterprises access to low threshold, low-cost loans become a reality.
is reported that in march of this year, small and medium-sized enterprise association jointly internet and small and medium-sized banks finance financial union, one zhang tong co-sponsored by china association of small and medium-sized enterprises of supply chain financial work committee, structures, small and medium-sized enterprise supply chain financial services platform, the use of block chain techniques to realize multi-stage supply chain enterprise credit penetration, and build a mutual trust between enterprises and banks network, makes the good credit, management of medium enterprise financial system, can also have their own supply chain as the core enterprise, small and medium-sized enterprise financing on the supply chain.
bank power supply chain finance
three pain points remain
faced with the broad development prospect of supply chain finance, banks are also making efforts to gain a share in the supply chain finance market. according to gao feng, chief information officer of the china banking association, in recent years, banks have developed differentiated strategies according to their own characteristics and designed personalized and professional supply chain financial solutions according to different industries and different types of customers. continuously improve service quality and service efficiency.
at the same time, he pointed out that commercial banks are still facing three pain points in the supply chain finance field: first, there is a mismatch between the demand of the banking side and the demand of the core enterprise side. the banking side pays more attention to the upstream, while the core enterprises pay more attention to the downstream sales side. the second sore point is that the financial technology of supply chain finance is not well supported by banks. many banks do not do supply chain finance in the real sense. the dna of real supply chain finance is different from the dna of traditional banks. it is not only a simple way to transfer financing from offline to online. the third sore spot is the inadequate coordination of government resources on the banking side.
in gaofeng's view, this requires the government, banks and core enterprises, including fintech companies, to work hard to build an intelligent supply chain financial ecology and solve the problems of smes. to build an intelligent supply chain financial ecosystem, fundamentally solve the problems of financing difficulty, high and slow for small and medium-sized enterprises at the end of the chain, and open up a broad supply chain financial market for small and medium-sized enterprises.
xiong kai, general manager of transaction banking department of zhongyuan bank, told reporters that the bank's supply chain finance should not only be limited to the financial services of receivables, prepayments and inventories to customers, but also include the payment and settlement of daily operation and production of customers, and the appreciation of daily funds and financing needs. banks should not only serve the core enterprises, but also extend to the upstream and downstream customers of the core enterprises.
small and medium-sized banks have layout
risk control is a challenge
supply chain finance for small and medium-sized banks layout, zhuanghai 䶮 "securities journal" reporter said, small and medium-sized banks and big banks in the competition both in the cost of capital, network advantages, technology strength and business experience are at a disadvantage in many aspects. the development of supply chain finance will become a breakthrough point in the competition of small and medium-sized banks.
according to him, after small and medium-sized banks carry out supply chain finance business, the borrowers have changed from large enterprises to small and medium-sized enterprises, whose interest rate tolerance is much higher, which will bring a breakthrough in business. "when the interest rate for lending to these enterprises is 8 or 9 percent, these enterprises may be able to accept it, because it turns out that they borrowed money from p2p platforms or small loan companies."
in addition, supply chain finance is still in the initial stage of development. therefore, small and medium-sized banks can form their own unique advantages in new areas. these are exactly the places where advantages can be exploited and disadvantages avoided.
gao fan, chief risk control officer of financial yizhang tong, pointed out in an interview with the securities daily that a difficult problem for small and medium-sized banks to carry out supply chain finance is risk control. the establishment of a risk control model through data can help them to judge how large the risk exposure of smes is and whether the pricing is reasonable, which is very important for small and medium-sized banks.
she said that supply chain finance, especially the uncertain supply chain finance, requires many other data sources and different risk control methods, which is still very challenging for small and medium-sized banks. "yizhang finance has a complete set of supply chain science and technology system, which can not only help small and medium-sized banks to improve their risk control ability, but also help small and medium-sized banks to gain customers and solve operational efficiency problems. gougou said.
source: securities daily