Push-line supply chain finance deep development enterprise customers

In anticipation of a tightening of monetary policy, banks have adopted a strategy of maintaining their loans. But the deep development in the loan quota is not well-off situation, strengthened to the SME loan support strength.　　Unlike other banks, deep development has pushed the innovation of SME loans to a new level by vigorously implementing online supply chain finance. To urge small and medium enterprises to develop loans in the domestic banking industry pioneered the supply chain finance, in just a few years, most joint-stock commercial banks and even some traditional state-owned banks have been involved in the business, this is the deep blue ocean has become a large number of banking competition in the Red Sea. This time, deep development has shifted the field of supply chain finance innovation from offline to online.　　With the help of the strong professional advantage of the online supply chain finance, the deep development in the homogeneous competition of the banking industry has highlighted its own characteristics. Deep development concerned told the Daily economic news reporter, "If the banks are homogeneous competition, deep development as a small and medium-sized joint-stock banks have no advantage." We only in the professional development of the path to achieve differentiation, characteristics. "As early as 2005 years, the deep development of the supply chain finance business into a full line of strategic business, that is," two-oriented "-for small and medium-sized enterprises, trade-oriented financing. In the organizational structure, the headquarters established a factoring center, joined the International Factoring Association (FCI), set up a trade finance department, the establishment of a dual-line management of trade financing special approval channel, in order to improve the supply chain finance business approval of specialization and efficiency. At that time, the deep development also creatively developed the system of credit management for the repayment of trade financing, and formed a method to evaluate the supply chain trade financing. This is not only in the deep development of unprecedented, so far in the domestic banking industry is also the first.　　Since then, the deep development of the supply chain finance expertise well-known industry. This time, the deep development of the "online supply chain finance" is the gradual transfer of supply chain financial services from the offline operation to the online operation.　　Deep development in the domestic first to achieve the supply chain financial operations online operation, and is still the only one in China to achieve supply chain line operation of commercial banks. The Product Management Department of the Shenzhen Development Company believes that electronic operation to reduce the core enterprises, distributors, regulators and banks of the quartet work pressure, business management faster, single pen transfers can be controlled between half an hour to 1 hours, the ransom 5 minutes to complete; All processes are online, the transaction is more secure and transparent, information sharing, Effectively reduce the risk of business operation.　　and platform standardization, seamless docking to adapt to a number of industry supply chain customers, seamless docking, interface unification, information easy to share. He revealed that online supply chain finance the first phase of the line to achieve the automotive industry line of business, and is currently with Baosteel and the United States to carry out the final work of the system online.　　After the automobile, steel, home appliance industry, in the next 2-3 years, deep development will eventually achieve the entire supply chain financial business line. In the third quarter of 2010, the deep development of the online supply chain financial system, the first phase of its smooth operation, was launched in the early part of this season.Break through 1000 users. This marks a key step in the development of the development of supply chain finance to the line, which means that some of the supply chain customers have already enjoyed more convenient online services.　　The production of this system and the subsequent continuous development and improvement will realize the online integration of the supply chain "logistics-capital flow-information flow", which is of innovative significance for the coordination, financing and financial chain optimization of supply chain management.　　In addition to the convenience of SME financing, the online supply chain finance has been placed high expectation by the relevant departments to solve the SME financing. The chairman of the CBRC proposed to reform "departmental banks" as "process banks". How to develop the process reengineering in the banking industry is a hot topic.　　Customer Center is the foundation of the process banking structure, how to change the internal business process, organization process and management flow of the bank from the diverse needs of customers is also the important task of developing the supply chain finance. Huyue, vice president of deep development, believes that supply chain finance has become the focus of the industry, an important reason is that it to solve the current SME financing problems to provide a feasible solution, and reinterpret and expand the scope of trade financing. Compared with the traditional credit service of commercial banks, supply chain finance has two notable characteristics: first, the bank's credits to the SMEs are no longer emphasizing the industry, enterprise scale, fixed assets value, financial index and guarantee mode, Instead, it emphasizes the real background of the Enterprise single trade and the strength and credit level of the leading enterprises in the supply chain. In other words, the bank assesses the credit status of the entire supply chain.　　Since the development of supply chain finance is actually based on the full mastery of logistics, capital flow and information flow of supply chain, the credit level of SMEs is much higher than that of traditional methods. Second, the bank revolves around the trade itself to set up operating procedures and to seek repayment guarantee, so the credit service has the characteristics of closeness, self compensation and continuity.　　Closed refers to the bank through the establishment of closed loan operation process to ensure that special funds, the borrower is unable to use the money for it; self-compensation means the source of repayment is the cash flow generated by the trade itself; continuity means that the same kind of trade behavior will continue to occur between upstream and downstream enterprises, so the credit service based on this can be repeated. Huyue-Fei believes that the development of the supply chain finance, is also in order to better and faster to achieve the company's business "for small and medium-sized enterprises", "trade-oriented financing" strategic transformation needs. Small and medium-sized commercial banks to serve small and medium enterprises is a matter, but also the choice.　　Deep development Choose from the growth potential of small and medium-sized enterprises, banking services are not sufficient trade financing business as a starting point to enter the supply chain, the goal is to support and form thousands of supply chain customer network for supply chain enterprises to provide comprehensive financial services, and small and medium-sized enterprises to do a stronger and bigger. This year's development of the three quarterly bulletin shows that domestic trade financing is still the main source of business growth, as at September 30, 2010, the balance reached 150.6 billion, an increase of 35.4 billion per cent at the beginning,Increase of 30.8%. At the same time, trade financing non-performing rate is only 0.32%.