recently, silver insurance regulatory commission issued the guidance on supply chain financial service entity economy "(hereinafter referred to as" opinions "), require banks to insurance institutions should be based on supply chain core enterprise, based on the real deal between core enterprise and chain upstream and downstream enterprises, integrated logistics, information, capital and other kinds of information, the supply chain upstream and downstream chain enterprise to provide financing, settlement, cash management, etc. a comprehensive financial services.
financial originated in supply chain management, supply chain is financial institutions around the core enterprise, the management of upstream and downstream small and medium-sized enterprise cash flow, logistics and information flow, etc., and put a single enterprise uncontrollable risk into controllable risk, enterprise supply chain through three-dimensional access to all kinds of information, risk control at the lowest financial services. simply put, it is a financing mode that connects core enterprises with upstream and downstream enterprises to provide flexible use of financial products and services.
for small, medium and micro-sized enterprises, relying on core enterprises can not only effectively solve the financing problem, but also help reduce the financing cost. for financial institutions, it is not only conducive to preventing and controlling bank credit risks, but also can reduce bank capital consumption and increase the income source of bank intermediary business. therefore, supply chain finance is quite popular among banks.
however, in recent years, supply chain finance has shown an explosive growth trend, which is followed by the constant exposure of risks. recently, many companies are suspected of false trading and debt agreement fraud, which lead to the exposure of supply chain financing risks. therefore, the opinions issued by the china banking regulatory commission at this time no doubt point out the direction for financial institutions to participate in supply chain finance business. from the regulatory documents, it can be seen that the regulatory attitude is still to encourage innovation under the premise of standardization and effectively prevent and control financial risks.
it should be said that whether the transaction background is true is the basis of risk prevention and control. supply chain finance involves many industries and enterprises, which undoubtedly brings many difficulties in due diligence to financing services of financial institutions. in this regard, banking and insurance institutions should earnestly implement the requirements of "opinions", carry out supply chain finance business in strict accordance with laws and regulations, and constantly standardize it.
first of all, due diligence and professional judgment should be made on the authenticity and rationality of transactions to guard against false transactions and false financing. banking and insurance institutions should establish a supply chain financial service platform, strengthen information communication with relevant departments, eliminate the data gap and break the information island, master more relevant information of core enterprises in the supply chain and upstream and downstream enterprises, strengthen the analysis and application of big data in the supply chain, and ensure that the loan funds are based on real transactions. meanwhile, the internet of things, block chain and other new technologies are embedded in the transaction link, and mobile sensing video, electronic fence and other technologies are used to implement remote monitoring of logistics and inventory goods, so as to improve the level of intelligent risk control.
second, strengthen the risk monitoring of supply chain finance, improve the risk management level of financial institutions, ensure the flow of funds to the real economy. improve the mechanism of supply chain financial guarantee, mortgage and pledge, and carry out the pledge and transfer registration of accounts receivable and other movables financing by relying on the unified registration system of movables financing established by the credit information center of the central bank, so as to prevent repeated pledge and empty pledge and promote the healthy and stable development of supply chain finance.
in addition, relevant laws and regulations should be improved as soon as possible to provide legal guarantee for supply chain finance. relevant departments should strengthen coordination and cooperation, strengthen the financial supervision of the supply chain, crack down on illegal behaviors such as contract fraud, financing trade, malicious double mortgage and pledge, and malicious transfer of pledges, and punish dishonest enterprises according to law, so as to jointly maintain the order of the financial market and ensure the flow of funds to the real economy.
source: economic daily