供应链金融激战正酣。

Supply chain finance in combat.

　　无论是“批零结合”的模式突破，还是供应链金融系统升级2.0版本，银行的相关业务创新无疑是你方唱罢我登场。

whether"With zero"Pattern breakthrough,Or supply chain finance system upgrade version 2.0,Bank of relevant business innovation is undoubtedly your sing me my debut.

　　民生银行(600016,股吧)汽车金融事业部总裁韩峰19日对记者表示，“过去金融机构认为零售就是零售，批发就是批发，不仅很难打通，而且内部之间项目掣肘。从明年开始，民生银行将进行全产业链的开发，打通批发和零售环节，推出融通汽车产业链模式。”

Minsheng bank(600016,guba)Auto finance division President HanFeng 19 told reporters,"The past financial institutions that retail is retail,Wholesale is wholesale,Not only difficult to get through,And the internal constraints between project.Starting from next year,Minsheng bank will carry out the whole industry chain development,Through wholesale and retail link,Launch accommodation car industry chain mode."

　　无独有偶，民生银行前任副行长、现任平安银行(000001,股吧)行长邵平19日表示，9月整合收官的新平安银行也提出要发挥以往深发展的供应链金融先发优势，做大公司业务，近期专门开发了互动、协同和可视的供应链金融2.0版本。

similarly,Minsheng bank former vice President/The current pingan bank(000001,guba)President ShaoPing 19 said,September an integration of the new peace bank also offered to play before shenzhen development of supply chain finance starts advantage,Do big business,The recent development in the interaction/Synergy and visual of supply chain finance version 2.0.

　　“截至目前，平安银行贸易融资、供应链融资余额将近2800亿元，但我们的不良率仍在0.35%以下。这样的资产质量水平，无论是在经济的上行周期，还是下行周期，都是非常良好的。”平安银行对公产品与现金管理部总经理金晓龙19日对记者称。

"So far,Pingan bank trade financing/Supply chain financing balance nearly 280 billion yuan,But our defect rate is under 0.35%.Such assets quality level,Whether in economic ascending cycle,Or descending cycle,Is very good."Pingan bank tests of products and cash management department general manager JinXiaoLong 19 said to reporters.

　　汽车供应链样本 Automobile supply chain sample

　　近日，民生银行同德勤联合发布的《2012汽车金融报告》指出，目前汽车消费金融供给仍存在严重不足，汽车信贷的渗透率仅为10%，远低于美国等成熟市场的70%。

recently,Minsheng bank with deloitte issued jointly by the state[2012 auto finance report]Pointed out that,Now automotive consumer financial supply still has serious shortage,Auto loan permeability is only 10%,The United States is far lower than 70% of the mature markets.

　　一方面是由于贷款门槛高、贷款购车手续繁琐等原因导致消费者贷款购车不踊跃；另一方面，则是单笔金额偏小且手续繁杂，导致银行参与积极性不高。

On the one hand, the loan threshold high/Loan formalities such complicated causes consumer loan not enthusiastically;On the other hand,Is the single pen smaller amount and multifarious procedures,It results in the bank's participation enthusiasm is not high.

　　据记者了解，截至2011年底，汽车消费金融市场余额已突破3000亿元，但目前商业银行在汽车消费金融的资源投放有限，近几年余额均保持在1000亿-1500亿元左右。

According to reporter understanding,By the end of 2011,Auto financial market balance has reached 300 billion yuan,But at present, the commercial Banks in auto financial resources on the limited,In recent years are keep balance in the 100 billion - 150 billion yuan.

　　在传统的汽车批发金融服务上，目前，为汽车经销商提供批发融资的银行主要包括民生、中信和平安，主要以库存融资、建店融资、并购贷款和现金管理等产品为主。

In the traditional car wholesale financial services,At present,For auto dealers to provide wholesale financing bank mainly includes the livelihood of the people/Citic and peace,Mainly inventory financing/Built shop financing/Merger and acquisition of loans and cash management etc give priority to.

　　“商业银行传统的汽车消费贷款业务由于缺乏对渠道的掌控力，推广成本较高。但是借助商业银行擅长的批发业务所积累的渠道资源，可以通过快速复制实现规模化扩张。因此，‘批零结合’的模式应运而生，用以弥补渠道掌控偏弱的不足，将成为商业银行汽车金融业务的发展趋势。”韩峰称。

"Commercial bank traditional auto loan business due to lack of channel control force,Promotion cost is higher.But with the aid of commercial Banks are good at wholesale business accumulated by the channel resources,Can through the rapid replication to realize scale expansion.so,‘With zero’Model arises at the historic moment,To make up for the deficiency of control channel weak,Commercial Banks will be the trend of the development of the auto finance business."HanFeng says.

　　从明年开始，民生银行将进行全产业链的开发，打通批发和零售环节，推出“融通汽车产业链”模式。

Starting from next year,Minsheng bank will carry out the whole industry chain development,Through wholesale and retail link,out"Accommodation automobile industry chain"mode.

　　平安银行在供应链金融2.0中也提出针对汽车供应链的金融服务，具体模式为，一家汽车生产厂商内部ERP系统与平安银行线上供应链金融系统对接，平安银行根据数据放贷，厂商即时得到出账结果，据此安排生产计划。

Pingan bank in supply chain finance 2.0 also puts forward the automobile supply chain of financial services,Concrete model of,A car manufacturers internal ERP system and pingan bank online supply chain finance system butt,Pingan bank loans according to the data,The manufacturer ChuZhang get instant results,Arrange production according to plan.

　　当经销商赎货时，可以先通过网银提交申请，线上划转资金；平安银行据此审核，全电子化流程，5分钟即可通知厂商（或者监管方）放货。

When the dealer for delivery to the end,To submit the application through the net,Online transfer funds;Pingan bank according to audit,All electronic process,5 minutes can inform the supplier(Or regulators had)Release cargo.

　　“通过供应链金融，宝马经销商融资目前可以做到‘单辆车、与车价及订车到售车周期’精确匹配的融资服务。”宝马金融市场总监刘军对记者称。

"Through the supply chain finance,BMW dealer finance at present can do it‘Single car/And prices and DingChe to sell car cycle’Precise matching financing services."BMW financial marketing director liujun to reporters said.

　　上述报告预测，未来十年中国汽车消费金融的市场容量将超过10000亿元，以汽车消费贷款为主的商业银行金融产品将占据超过一半的市场份额。报告预计，2015年汽车消费金融市场余额将达到6700亿元，其中商业银行消费贷款余额将占49%，信用卡车贷分期付款将占20%，汽车金融公司将占24%，其他资金约占7%。同时，消费金融渗透率可以在未来十年从目前的10%提升至30%以上。

The report predicted,The future ten years China auto financial market capacity of more than 1 trillion yuan,Mainly in auto loan of commercial bank financial products will make up more than half of the market share.The report is expected to,In 2015, auto financial market balance will reach 670 billion yuan,The commercial bank consumer loan balance will be 49%,Credit truck credit payment will be 20%,Auto finance company will be 24%,Other funds accounted for about 7%.At the same time,Consumer banking permeability can be in the future ten years from the current 10% up to 30%.

　　“供应链金融现在是四流合一，包括商流、物流、资金流、信息流，银行方面是从资金流角度切入，电商更多的是从商流角度切入，现在我们看到电商主导的企业，都在做一些跨界，包括阿里巴巴小贷、苏宁易购小贷，也在向资金流方向延伸。”金晓龙称。

"Supply chain finance is now four circulations unity,Including flow/logistics/Cash flow/information,The bank from cash flow perspective,Electric business more from management perspective,Now we see electric business leading enterprise,Are doing some cross boundary,Including alibaba little credit/SuNingYi purchase small loans,Also in the direction of flow to extend."JinXiaoLong says.

　　部分大行也在跨界，向供应链的商流、信息流延伸，以交行为例，今年8月份，其推出了交博汇电子商务平台，企业入驻“交博汇”可享受交行资金清算、融资贷款的服务，实际上也就是供应链金融的拓宽。

Part of the big line also across the world,To supply chain management/Extension information flow,In cases with behavior,In August of this year,The introduced into bo remit e-commerce platform,enterprises"Into bo by"Can enjoy in the fund settlement/Financing loan service,In fact is also the supply chain finance broaden.

　　对此，金晓龙认为，作为银行必须清晰的看到四流合一的倾向，每个行业（银行、电商等）都有它的优势，银行是跨界，还是寻求和其他机构、行业合作，这是多样的选择。

this,JinXiaoLong think,As the bank must see clearly that the guangdong guotong the tendency of unity,Every industry(The bank/Electric business, etc)Has its advantages,Bank is a cross-border,Or seek and other institutions/Industry cooperation,This is a variety to choose from.

　　2009年，平安银行推出线上供应链金融服务，截至2012年11月底，有150多家大企业采用该行线上供应链金融服务，支持3400家上下游配套企业获得供应链融资。

In 2009,,Pingan bank launched online supply chain financial services,By the end of 2012 the end of November,More than 150 large enterprises to adopt the bank online supply chain financial services,Support 3400 downstream supplementary enterprise get supply chain financing.

　　平安银行最近完成的一项对800多家企业进行的供应链管理调查显示，有近70%的受访企业希望能够借助网络技术和供应链管理系统了解上、下游供应，经销商的财务状况，库存和生产、销售计划等信息。也即供应链协同趋势与可见性需求。

Pingan bank recently completed a study of more than 800 enterprises of supply chain management survey,Nearly 70% of enterprises hope to be able to with the aid of network technology and supply chain management system on the understanding/Downstream supply,Dealer's financial status,Inventory and production/Information such as the sales plan.That supply chain coordination trend and visibility demand.

　　不过一分行对公业务人士对记者称，因为不少企业的财务系统还是割裂的，如果真正做到供应链金融可视化，对企业来说，还要求其系统要具有开放性，要有魄力与外面进行互联互通，这是一个难点。

But a branch tests of business people to reporters said,Because a lot of enterprise financial system or separated,If really supply chain finance visualization,For enterprises,It also requires the system to have open,Have courage and outside for the inter-communication,This is a difficulty.

　　另外，她称，供应链金融2.0也还要求企业内部采购、财务、物流等系统要进行有效的整合，也就是说接近企业管理2.0版。“同时，还需要银行和企业之间的IT系统要有比较标准化的接口标准，就是银行和产业接口要有个标准化的方向”。

In addition,She says,Supply chain finance 2.0 also requests the enterprise internal purchasing/financial/Logistics system to carry out effective integration,That is close to the enterprise management version 2.0."At the same time,Need between Banks and enterprises in the IT system to have a more standardized interface standard,Is the bank and industrial interface to a standardized direction".

　　银行、电商多方混战

The bank/Electrical contractor in melee