"Opinions" requirement, the bank insurance agency should depends on the core enterprise of supply chain, based on the real deal between core enterprise and chain upstream and downstream enterprises, integrated logistics, information flow, cash flow and other kinds of information, the supply chain upstream and downstream chain enterprise to provide financing, settlement, a comprehensive financial services such as cash management,
"Opinions" pointed out that the bank insurance institutions in developing supply chain finance business should stick to four basic principles:
Insist on accurate financial services to the market demand as the guidance, the key support in line with the national industrial policy direction, mainly focused on the real economy, advanced technology, have market competitiveness of the industrial chain chain enterprise;
Adhere to the real trade background, by presenting false trading, fiction financing, illegal profits phenomenon;
Adhere to the trading information available, to ensure direct access to first-hand original transaction information and data;
Adhere to the comprehensive control risk, should not only focus on the core enterprise of risk changes, also want to risk monitoring chain upstream and downstream enterprises,
In addition, the "opinions" also pointed out that to regulate financial innovation supply chain business model, improve the supply chain finance business management system and optimize the external environment of supply chain finance development,
"Opinion" encourage use technologies such as improve risk control block chain
Recently in the supply chain financial information technology products for the underlying assets of multiple institutions default ray sparked heated debate, compared with the traditional financial business, supply chain finance risk is dynamic, transitivity and complexity characteristics, such as "opinions" also from five aspects to strengthen the supply chain of the overall risk of the financial control,
"Opinion" is put forward, the banking financial institutions shall establish and improve the supply chain oriented financial risk control system of the whole chain, according to the characteristics of supply chain finance business, increase in advance, matter, each link of the pertinence and effectiveness of risk management, to ensure that the capital flow to the entity economy, we should strengthen the core enterprise operating conditions, the core enterprise and upstream and downstream chain enterprise transactions monitoring and analysis of historical transaction records of supply chain, strengthen the logistics, information flow, cash flow and third-party data information such as tracking management,
In al - securities chief researcher Li Qilin macro view, supply chain finance loans, loans, credit after all possible risks, in front of the credit, as the network file transfer, digital signature, data analysis, block the development of chain, supply chain finance appear online, the trend of bank to financial audit is mainly supply chain enterprises to provide material, the development trend of online and let Banks rely too much on the text in audit, documents, etc., there might be some small and medium-sized enterprises with the help of a supply chain financial preferential policies and pratt &whitney financial fraud, loan credit side, in small and medium-sized enterprises will embezzlement is engaged in the production of things, such as issuing employee wages, no improve cash flow throughout the supply chain, and abate the repayment ability of the enterprise in the future, credit, small and medium-sized enterprise business credit risk of the problems of instability may,
Therefore, the "opinions" in carrying out supply chain finance business banking financial institutions, to cope with trade authenticity and rationality of due diligence audit and professional judgment, will encourage Banks to insurance institutions iot, new technologies, such as block chain embedded transaction link, use mobile video perception, electronic fence, satellite positioning, such as radio frequency identification (rfid) technology, implementation of remote monitoring on logistics and inventory goods, promote intelligent risk control level,
In strengthen the compliance management, "opinion" require Banks to insurance institutions should strengthen the compliance management of supply chain finance business, earnestly according to return to the origin, focus on the main requirements, compliance of prudent business innovation, ban illegal acquisition or borrow the name of financial innovation business set up without permission, shall not borrow the name of supply chain finance structures, offer matching and multilateral mediation services such as asset trading platform,
CodePudding user response:
But not all of the information on the industry chain can be digital, so not all activities can be monitored, that how to control risk control block chain? Even if block chain can strengthen audit, if the enterprise accounting fraud, or financial processing mechanism itself has the problem, block chain is not too big risk control function, silver circ recommendations such feeling is in current hot,