集聚优势导向下数字供应链金融信贷集聚模式创新

Innovation of digital supply chain finance credit agglomeration model

摘要:

在外部环境变化和后发金融模式的冲击下,依托组织方禀赋资源或单边优势运行的传统供应链金融模式,在优化供应链资金管理、缓解企业资金困难等方面面临着巨大挑战,迫切需要基于优势资源集聚理念创新数字化供应链金融信贷集聚模式。资金、增信和风控是信贷集聚模式的重要核心模块,是数字化信贷集聚平台的中台,其流程设计和关键点布局依托于各类产业生态资源和金融生态资源集聚、内化和创新的技术、数据和应用架构的综合支撑。供应链金融信贷集聚模式可以发挥资产流通标准化、金融服务精准化、信用增进多元化和风险管理精细化等集聚优势效应。当前需要提升组织方综合管理能力,拓展数字化转型的广度、深度和精度,构建良性发展的制度环境,以促进信贷集聚模式健康地运行。

Abstract:

Under the impact of changes in the external environment and the late developing financial model, the traditional model of supply chain finance operating relying on the organization"s endowment resources or unilateral advantages is facing great challenges in optimizing the supply chain capital management and alleviating the financial difficulties of enterprises. It is urgent to innovate the digital supply chain finance credit agglomeration model based on the concept of advantageous resource agglomeration. Capital, credit enhancement and risk control are important core modules of the credit agglomeration model and the middle platform of the digital credit agglomeration platform. Its process design and key point layout rely on the comprehensive support of technologies, data and application architecture of various industrial ecological resources and financial ecological resources agglomeration, internalization and innovative. The supply chain finance credit agglomeration model can give play to the agglomeration advantages of asset circulation standardization, financial service accuracy, credit enhancement diversification and risk management refinement. At present, it is necessary to improve the comprehensive management ability of the organization, expand the breadth, depth and accuracy of digital transformation, and build an institutional environment for benign development, so as to promote the healthy operation of credit agglomeration model.