池融资舞动供应链Pool financingWord格式文档下载.docx

1、The scattered small daily accounts receivable as a bucket of water quality together into a relatively stable bank accounts receivable balances pool, so that enterprises in need of financing, as always unscrew the tap water so simple.Funds, funds, or funds?!The business world is funding this string t

2、aut. One side is the dream of enterprises, while holding a lot of silver did not know where to invest the bank, fund.In Chinese, SME financing has become a problem in the prime ministers long stalled on the desk. Not only small and medium-sized enterprises, large enterprises all over the world are f

3、acing the winter, while the enterprises may be frozen to death, while on the other side, the banks are going to die. The change in the capital chain has become a national project.Supply chain finance crabGuangdong Ning Ning parts factory for auto manufacturers production of spare parts, annual outpu

4、t value of about 10 million yuan, there are 4 factories, workers 300 people, is a typical Chinese smes.The factory is an enviable holding thigh enterprises, both upstream and downstream are strong enterprises, high integrity, large demand, and rarely default. In only a few years, the output value of

5、 the plant has doubled, the plant has expanded 8, and the workers have increased to 800. The factory even bought projection equipment for the workers to make regular films.But things have recently played some changes, the lower car factory account period prolonged, often not in a lump sum, left behi

6、nd a lot of tail went bad account, this is never before; the upstream steel becomes harsh, not only can not credit, recently even require payment in advance, the two sides make very unpleasant.Under the double pressure of the upper and lower reaches, the capital of the Ning Ning factory suddenly bec

7、ame tense.The original plan had nine plant expansion stoppages, became an overgrown ruins. The factory needs raw material orders, the downstream enterprises did not return, this is more dangerous than that one anxious.The only solution to the problem is financing.But in accordance with common sense,

8、 the fixed parts factory is a typical do not like the banks like tasteless customers: the lack of effective collateral and guarantee measures, lack of credit. The amount of a single loan is small, the number of pens is large, the loan risk is greater, and the income is low, and there is widespread t

9、ax evasion behavior.Look at the bank as the temple Abbot see customers simply dressed as Su Dongpo was cold, please sit, incense tea in the traditional concept of overlooking the opportunity to become more slim.Shenzhen Development Banks pool financing model, so that Ning Ning plant tasted the first

10、 crab.In fact, not only the government and enterprises, some domestic banks are also concerned about the financing difficulties of smes. Shenzhen Development Bank bank out of the traditional thinking, follow a more in line with the business rules of the game logic curve to consider financing: dilute

11、 the traditional concept of care about the short plate theory, and pay more attention to enterprises advantage theory - Based on the whole supply chain under the background of the study:Ning Ning factory has its own advantages, adequate orders, higher production capacity. Its upstream and downstream

12、 enterprises, although demanding, but capital, high credit. As you can see, this is a high quality supply chain. Supply chain enterprise strong like a hard way to friends, like Shi Yuzhu Duan Yongjis side, even if there is not able to come down, down inside when banks grasp when an enterprise and ev

13、en a chain of all enterprises on logistics and financial trends, to provide loans for the supply chain the small and medium-sized enterprise risk to individual enterprises is much smaller.The seemingly helpless financing situation of Ning Ning factory became clear at once.This is a deep development

14、of the most intelligent: cross business difficult and slow and not on the market financial products to do the multitude, but scattered polymerization force in the market, the separatist camp supply chain occupy a competitive shares. And 1+N theory - a strong enterprise to drive N upstream and downst

15、ream enterprises financing ecological chain - has become the Ideological Program of this theory.It is said that Ye Maozhongs red hat and commercial inspiration from to Mao Zedongs ideas; collection of more than 95% of the country in the supply chain of small and medium-sized enterprises, to mobilize the grassroots forces this also implies the essence of Mao wisdom.From supply chain finance to pool financingW