What is the "N ten l" new mode of e-commerce

Supply chain finance is based on the supply chain, the supply chain of specific scenarios and the bank has established the settlement system and credit system, the core is still financial. The operation mode of supply chain finance is generally divided into three stages, which are summarized as 1.0, 2.0 and 3.0 stages. Simply put, 1.0 is the traditional "1+N" offline stage, 2.0 will be offline migration to the line, 3.0 is through the means of science and technology, the construction of supply chain financial platform, that is, "N +1 + N" platform mode.

From the current supply chain financial services model, we are attributed to three main modes, one is the core business departure mode, which is also the mainstream mode, but the main solution is to payable, receivable end of the current there is no good program; the second is the supply chain service model, that is, based on the tripartite supply chain management company for the supply chain of enterprises to provide the agent purchasing, agent distribution, logistics, warehousing, Virtual production and other integrated supply chain services based on the provision of financial services, the main types can be divided into inventory, agent procurement, credit sales, etc.; Third, the data financing service model, that is, the use of AI, blockchain, big data and other technologies, access to multi-dimensional data, cleaning, organizing, processing processing and processing, and then establish a wind control model, to provide a model of financial services.

The perception of the phenomenon, to a certain extent, depends on the time, place and many other factors that we perceive. For example, if we are looking down at the railroad tracks from above the helicopter, they appear to be parallel; but if we are standing on top of the tracks, looking forward at the tracks, they appear to be intersecting. For the same mark, the colors we see on the slopes when we put on our skiing goggles are clearly different from the colors we see when we don't wear the goggles. Continuous innovation in supply chain finance requires us to use induction, deduction, and inference based on the continuous perception of scenes and phenomena to pull out the threads and capture the core.

Objective and subjective

Objectivity refers to things that do not depend on human consciousness to exist. In other words, whether people recognize him or not, know him or not, acknowledge him, he is the same existence, which is objective. Objectivity includes both the tangible and the intangible. Subjective is just the opposite of objective; he refers to everything that is governed by human consciousness. For example, people think about problems and do things, all belong to the subjective category.

There is a certain connection between the objective and the subjective. The objective determines the subjective, and the subjective can reflect the objective, and has a dynamic effect on the objective. When the subjective correctly reflect the objective, and the role of the objective, the development of objective things to play a role in promoting or promoting. On the other hand, the development of things will be hindered.

For example, when we watch a movie and see Pocky Zhang shoot at the master, and then the master falls down, we think that Pocky Zhang shoots at the master and causes the master's injury, but in fact, Pocky Zhang shoots at the master and the master's fall has nothing to do with the movie, only that we are based on our own experience, and presuppose that Pocky Zhang shoots at the master and the master's injury has a necessary connection. We have no reason to believe that one thing will have an effect on the other, and the two things may not always be "connected" in the future. The reason why we believe that there is such a causal relationship, ignoring the objective facts and the nature of things, is because of our mindset and psychological implication.

Often, when we talk about supply chain finance, the first thing that comes to mind is fintech, the use of advanced technology to realize and achieve the goal of supply chain finance business landing, this starting point is obviously not enough. As mentioned earlier, supply chain finance relies on specific scenarios and needs to be driven by the model, and the core of the model is obviously not technology. Technology, or science and technology, is only a means, is a tool, technology can not solve the problem of basic business logic, technology is almost impossible to effectively solve the problem of risk control. The biggest role of technology is to reduce costs and increase efficiency, technology is only able to drive the model from part of the dimension is limited. Even the comprehensive application of blockchain, big data and other technologies can not become the core driving force of supply chain finance.

Our subjective consciousness, in many cases, does not correctly reflect the objective world and objective things, and can not be well applied in the field of supply chain finance, we need to let go of their own expectations and what they want to believe, we need to be as objective as possible, get rid of out of the reality of the fantasy, abandon the disturbance of the heart, scientific analysis and decision-making.

Chance and necessity

Necessity and chance have different positions and play different roles in the development of objective things. Chance indicates that there is a tendency in the development of objective things that may or may not occur. Inevitability refers to the process of the occurrence of objective things in the process of contact and development of an unavoidable, must be so tendency.

Chance and necessity are a pair of philosophical categories that reflect different types of connections between things from the aspect of essential and non-essential factors. Chance arises from the external conditions of objective things, non-essential causes, and necessity arises from the internal basis of things, essential causes.

The cause is always a prior change, which makes a subsequent change necessary, that is to say, any cause, must act on something to make a change in this definite object, and this change is necessarily going to reflect a certain characteristic of this substance.

Supply chain finance so in this year to be able to fire, the reasons for this have multiple aspects, the first is the change in the environment, the epidemic and trade wars and other factors, based on the background of the times, put forward to build a domestic and international double-cycle development pattern of development ideas; second is globalization, the development of the digital economy, the need for China's manufacturing power to the transformation of the manufacturing power, the need to do a real strong, off the virtual to the real, to enhance the stability and effectiveness of the industrial chain and supply chain. stability and effectiveness of the industrial chain and supply chain; again, the need for the own development of many private financial service institutions, with the ups and downs of Internet finance, microfinance companies, factoring companies, financial technology companies, gradually realized that private institutions need to transform from a finance-driven model to a service-driven model; again, the drive of many supply chain finance participants, after the restriction of real estate financing and municipal investment financing, more attention has been shifted to supply chain finance, trying to use supply chain finance to break the deadlock.

The commercial attribute of supply chain finance is the integration of enterprises based on transaction, payment, settlement, financing, industrial integration and credit management, which optimizes the operational efficiency of itself and the industrial chain through the integration of multiple levels. From the viewpoint of the capital side, it is based on the core foundation of the account system, trade financing and credit management, and the depth of the integration with the behavior of enterprises, supply chain finance is a sustainable development path for the public business of the capital side. It can be seen that the fire of supply chain finance is not accidental, is the trend and the inevitable choice of future development.

Connection and influence

Philosophically speaking, the connection is the mutual influence, mutual constraints and interactions between things as well as the elements within things. Connections are universal, objective, diverse, and conditional.

In a broad sense, if one thing can make another thing change, then the two things are connected, and any connection between things will constitute a framework, the number of things that can be connected to the abstract concept in turn is the dimension of things.

The process of recognizing and understanding the world is also a continuous process of analyzing, synthesizing, comparing, and abstracting according to the phenomena and facts of things and their changes to get the concepts, principles, and theories of thinking activities. Focus on the connection and influence, from perceptual understanding to rational understanding, and then form a profound thinking from the phenomenon to the essence.

The core purpose and operational goal of the organization is profitability, which is true of small and medium-sized enterprises (SMEs), core businesses, and banks. All three are relatively independent, but also interconnected and influenced by each other, at the same time, each also and industry service organizations, regulators and so on, more links occur. Criticizing banks for inaction, core businesses for going rogue, or SMEs for being vulnerable is clearly a compartmentalized view of the problem. From the core business, there is the same problem of receivables and payables, but also the requirements of the business objectives. In the core business has not received the payment, let the core business on time payment to the SMEs is obviously not feasible. Similarly, the capital side of the SMEs also because there is a lack of credit, short life cycle and other issues, and rely on the core business to do related business, the bank has its own assessment and considerations.

Materialism emphasizes that things are connected and developing, and emphasizes the influence of contradictions in things, and that connections are universal, so-called connections at all times and in all things. The world is material, and the human world is social, in short, is to always use the vision of connection to see the problem, with the development of thinking to guide our thinking about supply chain finance.

Motivation and choice

Motivation refers to a certain way to cause and maintain the internal arousal state of human behavior, mainly expressed as the pursuit of a certain goal of the subjective desire or intention, is the conscious awareness of people in pursuit of some kind of desired purpose. Motivation is generated by the need, when the need to reach a certain intensity, and the existence of objects to meet the need, the need can be transformed into motivation.

Aristotle said, "Choice is a deliberate desire for what is within our power, and it is a better test of character than action." In terms of modern philosophy, the concept of choice is used on many different levels, and sometimes choice refers to a purely internal thought process, an act of deciding, but not necessarily an obvious external action.

Although human beings are creatures possessing rationality, the fact is that we often have irrational preconceptions, favoritism, self-centeredness, conservative thinking, wishful thinking, or stereotypes. The solution is to be aware of and actively combat your irrational tendencies. As rational and thoughtful as we may all think we are, we are all human beings, and we all have common human thinking flaws. From this perspective, it may seem that we will never make objective choices, but the whole process of thinking, reasoning, and arguing is a continual refinement of our self-understanding.

Digitization began ten years ago, and is about to become the digitalization of the "Internet of Everything" through the application of more new technologies. Informatization connects devices to people, networking connects people to people digitally, and the process of digitization and intelligence will change many areas.

Supply chain finance itself is applied in different industries, and will inevitably show different characteristics according to the industry. With the process of digitalization, supply chain finance will be prompted to develop in the direction of more vertical segmentation, more precision, and more professionalism, and the industrial supply chain financial services will gradually move towards maturity, realizing the "four streams in one" of logistics, business flow, capital flow, and information flow. ". By way of establishing a big data platform, the static data integration and real-time monitoring of dynamic operation data of enterprises, generating an all-round and multi-dimensional analysis report according to the financing enterprises, relying on a large amount of behavioral data and transaction data, and processing them through big data technology, combined with the data matching of upstream and downstream enterprises of the industrial chain, we can conduct a comprehensive and reasonable assessment of the qualification and credit and behavioral status of the financing enterprises, and make as much as possible an Effective and accurate judgment, so as to minimize the risk of lending, which is based on the choice of a larger long-tail market.

We see that many colleagues, including CICC, have been making continuous efforts in this direction, utilizing their own capabilities, resources and advantages to fully cooperate and compete in the supply chain finance field. It is true that there are such and such problems in SMEs, but the impact and reflection brought by this epidemic will certainly make many SMEs stand out and develop better. In the process of China's rapid economic growth, small and medium-sized enterprises have contributed to the value and vitality that they should play, we need to create better conditions for small and medium-sized enterprises to create a better environment.

In the future, China's supply chain finance field will certainly produce more development models and innovative service types, become an important force in China's industrial restructuring and transformation of the development of the national economy, efficient and convenient for more SMEs to provide services for financing, "for there is a source of living water", so that the financial return to its origin, so that the financial better Service to the real economy