Supply chain finance expert Professor Wen Jianjun this wave of "gold and jade advice", can not be missed
| createtime：2023-08-17 19:25:52 |
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As a major expert in the field of supply chain management and supply chain finance, Professor Wen Jianjun has consistently exported a lot of insights on supply chain finance over the years. The web has summarized the past 30 sentences related to "Supply chain finance" by Prof. Wen Jianjun, adjunct Professor of MBA/CMPM program of Renmin University of China Business School, project expert of China Europe International Business School, and Vice President of International Supply Chain Operations Management Society. The following are excerpts:
1, supply chain finance seems very complex, but to build an effective "credit pool" and "capital pool", we must ultimately return to the five-tier business structure of supply chain finance, that is, activity scene, scene digitization, digital credit, credit assets, and asset circulation.
2. Supply chain finance has three main development and evolution paths: First, digital technology enables the project to scale up, gradually deepen the depth of value creation, enrich the life attitude of participants, and finally realize intelligent supply chain finance; The second is from operation and maintenance network coordination, after many iterations, to gradually standardized large-scale industrialization intelligent supply chain finance; The third is to directly start from nodal project-based supply chain finance to intelligent supply chain finance.
3, no matter which evolutionary path of supply chain finance you choose, choosing a path suitable for your own development is the life and death road for you to do supply chain finance today!
4, the core enterprise to do finance, it is easy to deviate from the original intention, and if there is no scene, core enterprise support, industrial platform, etc., want to make vertical, platform is very difficult.
5. Supply chain finance is not financing for large enterprises, but must serve small and medium-sized enterprises in the upper, middle and lower reaches of the supply chain. Its core and essence is still financial, so its theme is always around credit, risk to solve the problem.
6, the essence of supply chain finance is to finance for the rich, financing for the people without money, to add value as the purpose, credit as the basis, risk is the boundary, leverage is the means, and service the real economy.
7. What is the key to supply chain finance? It's building the structure. It is necessary for any supply chain finance platform to do structural control based on the industrial Internet.
8, supply chain finance must enter an industrial chain supply chain, free from the industrial chain supply chain to try to do things to the edge is impossible, to do things to the end. Whether supply chain finance can be done well depends on whether it can design transaction structure, main process, relationship nodes, and link multi-stakeholders.
9. What is the path of supply chain finance under the Industrial Internet? First of all, we must find the characteristic industry; Then sort out the key subjects, processes, relationships, nodes; Then the supply chain financial service platform is constructed and implemented with the industrial Internet structure. Finally, we identify and control the operational risk based on the structure, and realize the two-dimensional risk control system with the co-existence of debt structure and subject credit. Finally, optimize the industrial ecosystem and obtain industrial competitive advantage + industrial ecological advantage.
10, in practice, the core of supply chain finance is these four points: 1, focus on the entire industrial chain, supply chain, value chain, rather than just looking at local enterprises, and focus on serving not the top 500, but small and medium-sized growth enterprises. 2, the use of a variety of technologies to establish a closed transaction structure and data model 3, income self-liquidating. 4. A new financial service technology that comprehensively addresses financial credit and risk and optimizes supply chain performance.
11. Supply chain finance focuses on the entire supply chain and provides systematic financial services through the closure of transaction structure, vertical management and self-liquidating control of income.
12, the essence of supply chain finance is finance, and the essence of finance is to do the mismatch of time and space, so there must be supervision, payment, and product provision.
13, we must have a heart of awe for finance, and supply chain finance is also difficult and correct. The most important and most difficult part of supply chain finance is to find scenarios, such as clear demand, long chain, pro-cycle, etc.
14. The substantive characteristics of supply chain finance include: scene finance, self-liquidating, closing, overall verticality, and high risk.
15. The assets of supply chain finance include five categories: prepaid assets, inventory assets, retail assets, order assets, and strategic relationship assets, which can be combined through intertwined roots.
16, supply chain finance has two different risk ideas, one is to use the main body trust, the other is to use structural trust; These two perspectives represent two different thinking of supply chain risk management. One emphasizes the establishment of structured risk control technology on the basis of relying only on industrial chain supply chain and grasping the operation of industrial chain supply chain. The other emphasizes the real depiction of the industrial subject through multidimensional data, and determines the subject credit on the basis of a comprehensive portrait.
17, Generally speaking, the three main scenarios of supply chain finance are found: one is the supply chain finance under the consumer Internet, one is the supply chain finance under the industrial group, and there is a supply chain service platform dominated by the characteristic industry and supply chain finance production organizers, that is, the financial technology supply chain.
18. Digitalization of supply chain operation scenarios is the basis of supply chain finance, and data pools are built; Supply chain finance must let people understand the business to do data!
19, the credit layer is the most difficult part of the supply chain finance, because many companies are still in the supply chain finance scene digitalization and digital credit.
20, do supply chain finance must not be made into shadow banking, shadow banking is very easy to be judged as financing trade, light money damage, heavy will involve violations of law.
21, different scenarios, to build different structures, according to different risk control logic, improve efficiency and reduce costs. Only a solid foundation can achieve better risk management.
22, based on data and structure to establish a complex risk control mechanism of the supply chain finance platform, different scenarios, to build different structures, according to different risk control logic.
23, the financial trade judgment depends on whether the real order, whether the logistics, warehousing, manufacturing nodes required to complete the order are redundant or missing, whether there is added value, and how the delivery results are;
24, in the actual business operations to be careful of the trade triangle, it is easy to form a financing trade "triangle of death", it means that there is no real value input, value creation and value output, so it is highly related transactions, circular transactions, false transactions and other behaviors.
25, as the organizer of supply chain finance, you must know what your role is, where is your scene, where is the digital means, where is the credit means, where is the asset pool, and then take high-quality assets to find the capital side can be docking.
26, do supply chain finance, the first problem to be solved must be the positioning of supply chain finance, you must know what kind of supply chain finance you are doing. For example, one is to deeply embed the industry along the vertical refinement of the industry, focusing on the precise segmentation of industry customers; The second is the low cost differentiation of the wide area along the horizontal organization, industrialization and scale.
27, high-quality supply chain finance must be industry-based technology-driven supply chain finance. Based on industry and enabled by technical means, supply chain finance can improve efficiency, improve experience, and truly be data-driven.
28, in today's supply chain resilience, agility, stability are under great threat, relying on the supply chain as the scene of supply chain finance risk is very large, so we must pay attention to balance and stability.
29, to do a good job in local state-owned enterprise supply chain finance, we must honestly base on our own industry, integrate the supply chain network formed by multiple nodes, integrate the main body credit, material credit, structure and process credit and other credits, and use a variety of technologies, so as to truly establish a comprehensive supply chain service platform. Or an industrial supply chain service platform.
30, supply chain finance 24 word risk control formula: "have credit, use credit; No credit, with structure; Have structure, use structure; No structure, build structure."
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