Commercial Bank supply Chain Finance pattern change: The wind control relies on "The Big Data"

With the rapid development of Internet and large data technology, the supply chain financial pattern of domestic commercial banks is changing quietly.

Pudong, investment, peace and other banks have recently launched an upgraded version of the integrated supply chain financial solutions.

The so-called supply chain finance, refers to the bank around the core enterprises, the management of the upstream and downstream small and medium-sized capital flow and logistics, and the individual enterprise's uncontrolled risk, into the supply chain enterprise as a whole controllable risk, through stereo access to various types of information, risk control in the lowest financial services.

According to the Financial weekly news reporter, the Bank of Pudong issued at the end of June, the introduction of the exclusive mobile supply chain financial Services program "and profits loans", as of mid-July, more than two-thirds of the bank's branches and the local mobile on the "and profits loans" business to reach a cooperative intention, of which 11 branches have been issued "and profit loans" Up and down small micro loan hundreds of millions of yuan.

In almost the same period, China Merchants Bank in Beijing in late June issued a "electricity and logistics industry in the online supply chain financial Solutions", launched including warehousing and logistics, courier companies, large transport companies, such as the development of a segmented line of supply chain financial solutions.

Ping An bank is also unwilling to do, July 9, its official launch of "Orange E" platform, mainly positioned in the "build online supply chain integrated service platform." It is reported that the bank has with Haier, the Oriental electronic payment, Kingdee software, such as a number of enterprise groups to form strategic partners.

Wind control relies on "Big data"

Under the multiple pressures of financial media, corporate off loan and strict supervision of Basel 3, commercial banks simply depend on spreads, and the development and profit model of credit assets growth are not workable, and the transformation of commercial banks is imminent.

He Weihai, general manager of the Department of Trade and Cash management at Pudong FA Bank, said publicly that bigger and stronger trade and cash management business, has become a common choice for banks to deal with the marketization of interest rates, one is to be able to large risk relatively low supply chain financing scale, the second is to be able to precipitate as many low-cost settlement deposits, the third is to increase agency receipts and payments, Corporate finance and other intermediary business income.

A large joint-stock bank in charge of the Ministry of Finance and Financial weekly reporter said: "Supply chain finance, although the traditional business of banks, but in the internet era is a battleground." Its value to commercial banks lies in the fact that they can achieve mutual benefit of both banks and enterprises and serve the real economy more effectively in the case of the bank's own risk reduction. ”

According to the Financial weekly reporter understand, with the commercial Bank supply chain finance scheme upgrade and refinement, the corresponding loan approval link also shortened. At the same time, relying on large data mining and analysis of core enterprises, the risk of information asymmetry of bank and enterprise is obviously reduced, and the difficulty of loan risk management is greatly reduced.

Taking the Pudong bank as an example, at the end of June this year, PU FA Bank launched the China Mobile supply chain exclusive Financial Services program "and benefit loans", including the upstream vendor-specific financial services program and downstream distributors exclusive financial Services program.

The reporter learned from the relevant principals of PU FA Bank, "and profit loan" the Essence of the wind control, mainly based on the transaction data mining and analysis, reduce the symmetry of information, so as to reduce the difficulty of loan risk management.

It is understood that the "and benefit loans" upstream services are mainly based on upstream suppliers have been generated or imminent, the mobile accounts receivable to control the repayment of the source, risk control is mainly to move the payment of the supplier's accounts. Downstream dealer's repayment source mainly is the daily operating income, including the mobile Payment Commission and the related expense return, the risk control core lies in understands, grasps the dealer's operating income data.

Specifically, Pudong for the "and Benefit loan" wind control subdivision for the pre-loan survey, credit in the audit and after the loan management three stages.

In the pre-credit investigation stage, according to the distributor basic information, evaluation grade, performance record, historical settlement and other data, from which to select the integrity management, and long-term cooperation with the mobile good, stable sales situation can be access to dealer customers, so that good customer access clearance.

In the credit of the audit and release phase, according to the dealer in the past a certain period of purchase order records and commission return records and other business data, for borrowers reasonable approval of credit limit and time limit, to ensure that the loan can match the dealer in the future of the regular procurement of capital needs, to prevent excessive credit; The issuance of loans is paid directly to the mobile designated account by way of fiduciary payment to ensure that the loan funds are used in accordance with the borrower's purchase of mobile payment and prevent the loan from being diverted.

In the post-loan management stage, keep the distributor's daily sales and revenue data off-site monitoring, to ensure that customers and mobile continuous cooperation, and has a normal sale of funds into the fund.

In addition to the use of business data to control risk, Pudong also requires dealers will be in the mobile purchase payment account and daily sales collection account to the Pudong bank, so as to achieve the dealer funds in and out of the closed management. In addition, each branch of the bank's Small business center will designate a person responsible for "and benefit loan" business development and management, planning to promote business development.

Upgrade: "Trading Bank"

In the industry, the current supply chain finance of domestic commercial banks has actually surpassed the traditional multi-redundancy mode, that is, the bank based on the core enterprise "1" credit support to complete the supply chain "N" small and medium-sized enterprises in the financing of credit support.

Jin Xiaorong, president of the Network Finance division of Ping An bank, has said now the industry thinking began to change gradually, the bank is to do is to build an electric Shangyun service platform, so that the small and medium-sized enterprise orders, waybill, receipts, financing, warehousing and other operational activities are running on the above, at the same time, the introduction of logistics, third-party information and other enterprises, Build Service platform to provide supporting services for enterprises.

Jin Xiaorong also said that the launch of this type of online supply chain service platform in a sense, the advent of the 3.0 era of supply chain finance, subversion of the past to finance as the core of the supply chain model, to the enterprise transaction process as the core, and the past around the core of large enterprises, "multi-redundancy" mode, to expand the transaction around the small and medium-sized enterprises. N+n "mode.

Coincidentally, July 22, the Department of Trade and Cash management of Pudong FA Bank also threw out the concept of "trading bank" and integrated trade and cash management solutions around the trading banking system, including the global supply chain Financial Services Programme 3.0.

According to He Weihai, general manager of the Trade and Gold Department of Pudong Development Bank, the transaction bank refers to "the commercial bank's daily production and operation activities, the purchase, sale and other transactions, the payment and settlement, trade financing, finance management, risk aversion, financial products and services."

The integrated programme is a collection of financial products such as payment and settlement, trade finance, Cross-border services and Treasury management, basically covers the day-to-day operation of enterprises and transactions, to meet the enterprise in the procurement, production, warehousing, logistics and sales of the financial needs of each transaction, with a "program, a wide range, the whole process, one-stop" characteristics.

However, according to reporters, because "transaction bank" in the domestic still is the initial stage, most of the domestic banks in this area still need further improvement, especially in the "Transaction bank" organization structure, product and service integration, IT system support, management and management system are still in the preliminary exploration.