What does the four-in-one in supply chain finance mean?

In the upgrading and transformation of enterprises, small and medium-sized enterprises often face the problems of financing difficulty and expensive financing. Obviously, the traditional bank financing model can no longer meet the needs of small and medium-sized enterprises, and the supply chain financial system led by core enterprises has effectively helped enterprises solve these problems and set off a boom in the industry. Logistics, capital flow, information flow and business flow are important components of the supply chain and play a very important role. They are three different forms of supply chain, which are called "four streams" for short, and then they are introduced.

1. Logistics Logistics refers to the physical flow from suppliers of suppliers to customers of customers. Including transportation, inventory, loading and unloading, handling, packaging and other activities, goods flow between different locations.

2. Capital flow refers to the capital flow in the whole supply chain. The traditional capital flow refers to the flow of specific funds in the process of purchasing goods by users. With the development of the Internet and the application of big data, capital flow refers to the process of transferring funds to merchant accounts after users confirm the purchase of goods.

3. Information flow Information flow refers to the flow of information in the whole supply chain, including supply and demand information and management information in the supply chain, which is constantly produced with the operation of logistics.

4. Business flow Business flow refers to the process of commodity form change in circulation. The concept of "business flow" is to consider how to pull up from the terminal, guide dealers how to operate products, assist dealers to establish distribution channels, act as a bridge for manufacturers, facilitate smooth communication between them, and control dealers' business behavior.

First, the relationship between logistics, capital flow, information flow and business flow

1, the relationship between logistics and capital flow Logistics is bound to be accompanied by capital flow. First of all, logistics itself is a value-added process, which is only reflected through capital flow; In addition, logistics can only be carried out smoothly if it generates capital flow. Logistics information forms a "physical account" and capital flow information forms a "financial account". Only when the "physical account" and "financial account" coincide with the capital flow can we track and control all the logistics in time, thus reducing the difference and delay of financial revenue and expenditure and reducing economic losses. The relationship between logistics and business flow. Logistics and business flow complement each other and promote each other. First there is business flow, then there is logistics. Business flow is the upstream of logistics. Without upstream, there will be no downstream, and logistics will be driven by commercial flow. However, without logistics, business flow cannot be realized. The more prosperous the business flow, the more developed it is. On the other hand, if the logistics service lags behind, it will also affect the development of business flow. Only by combining logistics, capital flow, information flow and business flow can we build a perfect supply chain system, and so can supply chain finance. Supply chain finance is mainly aimed at the problem of financing difficulties for enterprises, and the shortage of enterprise capital chain, finding a frozen cube and providing financial assistance through trade cooperation.