Supply chain finance is a major direction of next Internet financial
First half of 2015, "Internet + supply chain finance" approved investment projects in the last ten. IDG believes that investments in supply chain finance is focused on this year. B2B, Internet banking and O2O TMT industry is China's three major air outlet. Traditional B2B is big business, B2B quickly develops to a certain stage you'll have financial needs.
Alibaba, Jingdong, suning, began in the early years of supply chain finance attempts. In the field of P2P, grass-roots investment, Silver Lake network, box of building blocks, all through the supply chain finance market. Meanwhile, many traditional enterprises will also be looking at "Internet + supply chain." Among them, the layout Internet appliance giant Haier finance, supply chain finance business was more than 60%. In May this year, Wu Liang ye "into" pharmaceutical supply chain finance. In addition, mengniu, dream clean home textiles, such as begin the layout of supply chain finance.
Supply chain finance is what?
Relying on supply chain finance refers to the core customer, on the premise that true trading background, using self-liquidating trade finance through receivables pledge, pledge closed by means of cash flow or control of domestic property on supply chain upstream and downstream enterprises to provide comprehensive financial products and services.
The essence of supply chain finance is credit financing, found in chain credit. Traditionally, financial institutions through third-party logistics, warehousing companies provide data confirms the core businesses of credit, regulation and financing groups of inventory and accounts receivable information. In the era of cloud, a large Internet company by virtue of its large supply chain financing upstart, Ant finance, Jingdong, suning are typical examples.
Internet + eight model of supply chain finance Upgrade Baidu or online music competition will
+ Supply chain finance there are many models for the Internet, will be dismantled as follows:
Based on B2B e-commerce platform for supply chain finance
Domestic e-commerce portals such as focus technology, Web business card, HC, dhgate, B2B e-commerce transaction platforms such as Shanghai steel and steel nets, were targeting supply chain finance, financial move in the direction of.
Fat cat logistics and steel launched in 2015 with "white fat cats" that begin with financial services. "White fat cats" for quality buyers to provide "first delivery, pay later" cooperation model means that steel has taken a substantial step in supply chain finance. Up to now, the steel nets have accumulated nearly 4 years of customer transaction data and vertical data risk control capability is an advantage for steel supply chain finance.
B2C e-commerce platform based supply chain finance
B2C e-commerce platform, such as Taobao, cat, Jingdong, suning, vipshop, shop, first settled businesses, such as basic information and historical information, high quality and accurate data, which according to the data available to creditworthy businesses financial services supply chain.
A case study of Jing dong, in recent years, East Beijing frequently raise Internet financial, supply chain finance is the Foundation of its financial operations. Beijing East through differentiation strategies such as location and logistics systems, and through years of accumulation and precipitation, has formed a set of data-driven East to supply chain systems, which range from sales, product forecast, inventory, health products, suppliers of Compass intelligence and wisdom of all aspects of pricing.
Jingdong supply chain finance using large data systems and all aspects of supply chain transactions for the vendor to provide loan services, which can be divided into six types: purchase order financing, inbound links of warehouse receipt finance, before closing the receivables financing, loan mode mode, Beijing, Beijing Bell Micro-credit model. Jingdong have very high quality upstream suppliers and downstream consumers, accurate data, Jingdong supply chain finance business are ripe.
Of payments based on supply chain finance
Payments paid by the company is not only want to do good business. PayPal, fast money, money, YeePay, Oriental payment through pay cut in supply chain finance. Unlike Alipay, and tenpay account strategies for c-Terminal, fast money to pay company with roots in the b end of the market. In quick money, for example, in 2009, the fast money is exploring supply chain finance, 2011 fast money and positioning the company for "payment + financial" expansion mode, to promote financial services supply chain. As fast money and Lenovo signed of cooperation agreement, help Lenovo integration its upstream tens of thousands of home dealer of electronic received payment, and should received meet accounts payable, corresponding information, will supply chain Shang downstream real of trade background as financing of basic conditions, formed a liquidity management solution programme, package sales to Bank, then Bank according to including should accounts receivable paragraph, information bulk for Shang downstream of SMEs provides award letter.
ERP system based on the supply chain finance
Traditional ERP management software and other data, IT service providers, such as UF, platform, kingdee, Czech Chang dingjie software, North and South, long the star fund management platform software, rich world, housekeeper, and so on, through years of accumulated precipitation information, product information, membership information, transaction information and other data, based on these data to build up a supply chain ecosystem.
Veteran financial management ERP companies UF network, Internet financial company is one of the three strategies. Thousands of medium and small micro-enterprises using ERP systems, is a member of financial service platform to participate in their supply chain. Slightly different model of Chinese information and UF, Chinese customers are large enterprises and supply chain finance services it provides will be upstream of its core customers.
Based on the platform of a one-stop supply chain management supply chain finance
Some integrated third party platform, collection has business, and logistics, and settlement, and funds of a station type supply chain management, as domestic listed enterprise of Yi Asia pass, and Suzhou of first, chain, and Nanjing of meeting mastery, and foreign trade integrated service platform-Alibaba a Datong,, these platform on supply chain full process of information has full of master, including logistics master, and inventory control,, has set became a powerful of data platform.
Like domestic listed Enterprise Yi Asia pass, founded Yu 1997, is a a station type supply chain management service platform, its launched two days between a platform strategy: "two Skynet" is refers to two big Internet platform (Yu business network + and Le network), and "between network", that Yi Asia pass build of two big channel sinking supply chain platform ("380" depth points pin platform and and Le life chain joined supermarket), and "a platform" that Yi Asia pass build of logistics trunk network (B2B+B2C logistics platform). Eternal Asia vertically integrated supply chain management links, forming a one-stop service platform for supply chain management, and procurement and distribution functions for logistics customers with funds paid services similar to Bank inventory financing, earning a "spread" income and, against the need for derivative foreign exchange settlement business transactions in the context of Renminbi to earn a big chunk of revenue. In a one-stop supply chain management services to the industry based on the model of developing financial business, is one of the important sources of its profits.
Industry solution based on SaaS model of supply chain finance
Service provider industry information management system, data information via a SaaS platform to carry out supply chain finance business, such as the retail industry-rich base in standard commercial and cooperative tax; kingdee invoicing management wisdom in mind, ping an Bank Orange e-net business housekeeper, the shopkeeper, Shenzhen, Ningbo logistics industry the easy flow of e-TMS and so on.
To ping an Bank business housekeeper, for example, business is the first free SAAS supply chain collaboration cloud platform, is Christmas Orange e-net's core product. Orange e-platform will ping an Bank traditional advantages to a depth of supply chain finance chain, online financial services. "More depth on the chain" refers to the large core enterprise services mainly in the upstream and downstream supply chain finance in close cooperation, deep linking to upstream suppliers of upstream, downstream of the downstream distributors. "Online financing" refers to the Orange e-platform for stakeholders of supply chain financing provides an electronic platform, customer financing, insurance, logistics and regulatory jobs online.
Based on business jiaoyiyuanqu and logistics supply chain finance
Relies on its vast array of businesses large business parks and logistics data with their transaction data, as the underlying data, this park has a lot of trade, such as electronic trading market, Hua Qiang bei in Shenzhen, Yiwu small commodity trading city of Haining leather city, logistics, linyi city, and so on.
A case study of Zhejiang silver goods through Zhejiang "agglomeration economy" has been developed, "Yongkang hardware capital", "Haining leather city," "Shaoxing textile market", "jiashan timber market" are well-known, such as the massive industrial area. Features of these clusters is, downstream of the small micro-enterprises generally lack the collateral, but with a complete upstream and downstream supply chain. In this context, silver goods through the "inventory" found in credit, the first inventory pledge financial, is the first based on intelligent logistics, supply chain management and inventory financial network services platform. Meanwhile, launched its "product into" and "thawing pipes," "fiduciary position" three service systems. So far, silver goods pass through pledge financing exceeding 1 billion yuan for practical implementation, managing storage area of over 100,000 square meters, monitor pledge of movable property worth 2.5 billion yuan.
Large logistics enterprises based on the supply chain finance
Logistics occupied the important delivery during the entire commodity trading links, connected upstream of the supply chain. They are based on the logistics services logistics and production processes in the supply chain for financial services. Large domestic courier companies and logistics companies, courier companies such as SF, STO, flexible, medium pass, Huitong, Bes, logistics companies such as us, ARIMA, and so on through mass customers receiving financial services supply chain logistics information. Currently SF, us logistics data has started to pervade owner purchasing, warehousing and logistics costs, such as entering the supply chain finance.
In SF, for example, the end of March 2015, SF open hundreds of nationwide warehouse for e-commerce businesses to provide warehouse stock, and introduced SF warehouse financing service. High quality e-commerce businesses stock up in advance to SF warehouse, can realize the nearest shipping, also get loans can be reported as finished goods. SF has a huge distribution network, intensive storage service outlets and new financial loans, three links to form a complete closed-loop logistics services. In addition to warehouse financing, SF financial supply chain products are based on factoring of receivables, orders based on customer business conditions and contract financing and credit-based Shun, such as micro-credit.
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