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e乐彩平台信誉如何:Fund Subsidiary Snatches Supply Chain Financial Sample: Adopting Credit Guarantee Financing Data Authenticity is Key

时间:2018/4/11 18:16:02  作者:  来源:  浏览:0  评论:0
内容摘要: Now that the supply chain finance is hot, comparable to last year's consumer finance. \n? Under the guidance of related supply chain polici...

Now that the supply chain finance is hot, comparable to last year's consumer finance.

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Under the guidance of related supply chain policies, many financial and financial institutions are exploring new ways to use this traditional financing method. After the fund's subsidiaries have transformed to active management after net capital management, supply chain finance has become one of the orientations for this year's layout.

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Shanghai Caitong Assets Management Co., Ltd. (hereinafter referred to as “Caitong Assets”) has this year provided steel companies with a total of 180 million yuan to issue two special supply chain asset management plans for steel industry service providers. According to the sources of financial and related assets, the reason why they chose to look for stencils to promote supply chain finance business is based on the fact that their data and information systems can provide real-time information on logistics, information flow and capital flow , and the short inventory cycle is also to a certain extent. Ease the risk of commodity price fluctuations.

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Not only has the supply chain financing for platform-type companies been hot, many upstream industries, including , real estate , have also seen significant upward movements in the financing of accounts payable and mortgage endings.

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According to the data from China Asset Securitization Analysis Network, as of April 9th, factoring ABS issued a total of 19.5 billion yuan this year, an increase of 173% year-on-year, of which the real estate industry has issued 14.9 billion yuan, a year-on-year increase of 314%.

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Dismantling the product structure

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The above-mentioned financial assets - to find steel network e-commerce supply chain special asset management plan, the six-month deadline and one-year deadline scale were 80 million yuan and 100 million yuan respectively, and the average performance benchmark was within 8% per year.

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The logic of its products is that looking for steel nets to purchase steel from upstream steel makers requires “first-in-kind shipments”; when downstream customers purchase these steels, there is a certain time difference between them. The asset management plan of Caitong Assets provides the upstream steel purchase financing for the shanghai Steel Network, which will be purchased by Shanghai Steel.com, and will be funded by the downstream customers who have paid for the Steel Network.

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Different from the bank The traditional warehouse receipt pledge model adopts the credit guarantee financing method. First, it learns the lessons learned from repeated pledges of commodity warehouse receipts, masters the real trade situation through the information system, and on the other hand finds the inventory cycle of steel nets. Not more than 2 months, and the procedures for the pledge and delisting of warehouse receipts are relatively complicated.

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After accessing the financial assets of the steel supply chain, we can select multiple sub-tables for procurement, storage, sales, and delivery, including the purchase contract number, purchase cost, steel mill, and warehouse weight. More than 100 fields, real-time see each financing corresponding to the entire process status, such as whether the upstream steel factory shipments, inventory turnover is up to standard, whether the timely collection of funds and other aspects of information.

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As the upstream suppliers purchase downstream customers to purchase, the two do not correspond one by one. To guarantee the rights and interests of asset management plan investors, the contract stipulates that the single purchase sales cycle needs to be completed within a certain period of time. Otherwise, the steel supply network will make up for the time limit. . At the same time, in order to ensure the efficient use of funds, sales receipts can be recycled after they have been successfully collected.

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Supply Chain Finance ABS Take the Heat

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Similar to the Taobao and Jingdong B2C model, the financing needs of the B2B e-commerce representative represented by SteelNet.com and the upstream suppliers and the downstream customers are all present.

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Up till now, there have been more than 100 steel mills that have been looking for steelworks, and there are more than 60,000 downstream users, and their team size is more than 1,300. With regard to the financing needs of the above two links, the business perspectives of financial and non-financial institutions vary. In addition to the pledge mode of bank warehouse receipts, the fund subsidiary credits credits for special asset management plans, and the source of funds for shanghai.com also includes financial institutions.

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Its “Fat Cat White Strip” launched in 2015 is similar to “Jingdong White Strip” and “Antwax”, and it is a credit purchase product for “down-front delivery and post-payment” for downstream customers. The historical transaction record serves as a basis for credit, and the sources of funds include various financial institutions. Similarly, Jingdong’s white bars and ant spent and borrowed money have further solved the funding problem through asset securitization.

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This year, there has been a trend toward the release of supply chain finance ABS products. Millet, BYD , ants gold dress, supply chain finance and pieces ABS have been granted; Jingdong factoring ABS, Vanke supply chain ABS, Country Garden ABS supply chain, supply chain WTO ABS, Metro Holdings supply chain ABS succession issued.

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Of particular concern is the fact that there has been a blowout in the supply chain ABS for the real estate industry this year. According to an analysis by a senior ABS business person in the trust industry, the supply chain approach can be used as a compliance method to provide funds to developers mainly because of tight real estate financing. "On the one hand, the credit of the supply chain is excellent, and the credit is easy to assess; on the other hand, ABS is also relying on the main body. Large developers are still very good assets."

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However, there are different opinions among the interviewed business people on whether the market will continue to continue the real estate company list and provide financing through supply chain ABS.

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Policy and demand outbreak

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Supply chain finance is also closely related to policy guidance.

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In May 2017, the Central Bank and the Ministry of Industry and Information Technology, together with the Ministry of Finance, the Ministry of Commerce, the State-owned Assets Supervision and Administration Commission, the China Banking Regulatory Commission, and the Foreign Exchange Bureau jointly issued the “Special Action Program for Receivables Financing of Small and Micro Enterprises (2017-2019)”, proposing In order to optimize the procedures for the financing of receivables from financial providers such as financial institutions, it is necessary to establish a sound system for the registration of accounts receivable.

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In addition, in November last year the General Office of the State Council issued the “Guidance Opinions on Actively Promoting Innovation and Application of Supply Chains” to promote the supply chain financial services real economy, effectively prevent supply chain financial risks, and actively and steadily develop supply chain finance.

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According to the incomplete statistics provided by Huabao Trust, from the perspective of demand, the accounts receivable of Chinese industrial enterprises exceeded RMB 10 trillion.

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According to a business person from a state-owned factoring company, as of the end of March this year, it has basically completed this year's assessment index. The business that we do this year is mainly companies that have been preferred for a long time but cannot accept their financing prices in the past. At the same time, he also revealed that the company has received invitations from a number of executives who have recently received headhunters, and "factoring is very short of people this year."

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One of the reasons for this is the regulatory oversizing of off-balance-sheet operations, coupled with the limited line of credit within banks, and the intensification of the contradiction between corporate demand and traditional funding, leading to a spillover of corporate financing needs. However, the above-mentioned factoring company’s business sources stated that the biggest problem in supply chain finance is still to identify the authenticity of the trade background, and it is easy to find that there is no financing for cash backflow, and blockchain technology does help solve the problem of false trading. Industry.


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