Advances in Economics, Management and Political Sciences

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Proceedings of the 2nd International Conference on Financial Technology and Business Analysis

Series Vol. 61 , 28 December 2023


Open Access | Article

The Problems and Solutions of the Supply Chain Financing of the Enterprise from the Perspective of the Bank

Yifan Li * 1
1 School of Business administration, Southwestern University of Finance and Economics, Chengdu 611130, China

* Author to whom correspondence should be addressed.

Advances in Economics, Management and Political Sciences, Vol. 61, 32-38
Published 28 December 2023. © 2023 The Author(s). Published by EWA Publishing
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Citation Yifan Li. The Problems and Solutions of the Supply Chain Financing of the Enterprise from the Perspective of the Bank. AEMPS (2023) Vol. 61: 32-38. DOI: 10.54254/2754-1169/61/20230694.

Abstract

Supply chain finance is one of the key topics in today's research. Recently, the number and size of enterprises of various types have increased, and the demand for financing has grown significantly. At the same time, banks are providing supply chain finance services to enterprises to meet the demand for enterprise financing. Some researchers have found that banks play an important role in the supply chain finance business, and the amount of financing is also increasing. However, there are still some unresolved problems in the process of enterprise financing by banks. Therefore, this study focuses on the difficulties in the process of enterprise financing from the perspective of banks and the countermeasures to solve them. The research methodology of this paper is as follows: firstly, to collect the transaction data of Ping An Bank's supply chain financial services in the past ten years, and secondly, to analyse the data and identify the problems in the financing process from the changes in the data. It is found that the current Ping An Bank has problems such as financing cost is still high, it is difficult to guarantee the financing security and transaction transparency, and the financing mode innovation is insufficient, and these problems also limit the further development of the enterprise. In order to better improve the domestic supply chain financial system, the government, enterprises, banks and other parties should work together to overcome the current difficulties.

Keywords

Supply chain finance, Ping An Bank, enterprise finance

References

1. Ping An Bank. (2023). Ping An Bank Annual Report 2022: Continuing to Support the Real Economy Steady Growth in Operating Performance. Retrieved from https://bank.pingan.com/about/news/1678412915681.shtml

2. Ping An Bank. (2023). Pre-financing Operations. Retrieved from http://bank.pingan.com/gongsi/gongyinglian/yufurongzi.shtml

3. Diane Chic. (2023). Supply Chain Finance Business Model. Retrieved from https://www.zhihu.com/tardis/zm/art/336503424?source_id=1005

4. Zeng, X. (2020) Research on the Construction Strategy of "Blockchain+Supply Chain Finance" Platform for Commercial Banks. Zhongnan University of Economics and Law.

5. Sun, W. (2023) Research on the Supply Chain Finance Innovation Model of Chinese Commercial Banks. Dongbei University of Finance & Economics.

6. Yang, H. (2023) Research on Ping An Bank's Digital Transformation in the Context of Fintech Development. Guangzhou University.

7. Yang, Y. (2007) On Risk Prevention of Supply Chain Finance in Commercial Banks. Financial Forum, 10, 42-45.

8. Zhou, Q. (2023) A Study of the Economic Impact of Commercial Banks' Online Supply Chain Financing Models. Shanghai Normal University.

9. Wang, S. (2022) Research on Supply Chain Finance to Ease the Financing Constraints of SMEs. Xi'an International Studies University.

10. Ma, X. (2023) The Role of Supply Chain Finance in Alleviating SME Financing Constraints. Xihua University.

Data Availability

The datasets used and/or analyzed during the current study will be available from the authors upon reasonable request.

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Volume Title
Proceedings of the 2nd International Conference on Financial Technology and Business Analysis
ISBN (Print)
978-1-83558-223-7
ISBN (Online)
978-1-83558-224-4
Published Date
28 December 2023
Series
Advances in Economics, Management and Political Sciences
ISSN (Print)
2754-1169
ISSN (Online)
2754-1177
DOI
10.54254/2754-1169/61/20230694
Copyright
© 2023 The Author(s)
Open Access
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited

Copyright © 2023 EWA Publishing. Unless Otherwise Stated