First of all, let's understand what the concept of financing is, it is the internal and external trading, financing is to borrow money from the bank, since the first is in front, it means that there is a real **, and then because of the need for financing from the bank, the bank provides short-term financing or credit facilities related to the settlement of import and export to importers and exporters.
*Financing also includes three categories: advance payment financing, receivables financing, and inventory financing, which are similar to **chain finance. In November 2014, Guangdong Province explicitly prohibited state-owned enterprises from engaging in false businesses such as false invoicing for the purpose of financing and without real goods transactions, so financing ** can not be mentioned.
The names of the *financing and **chain finance models are the same.
Are they the same product?
It can only be said that **chain finance is the development derivative of **financing, and **financing is equivalent to **chain finance 1.0, ** financing is still the old era of 1 + N model, and today's ** chain finance has developed to 40。
However, there is still a fundamental difference between financing and chain finance, first of all, the structure is different, financing is a closed financing method based on the upstream and downstream structure, and the bank is the backing, while the chain finance is based on the core enterprise, upstream and downstream to the bank financing a ring financing method.
In contrast, the chain finance is more transparent, the financing is still in a traditional state, this model leads to opaque information, the financing does not use the big data method like the chain finance model, the financing is still based on the information that is not transparent and the authenticity is unstable, relatively speaking, the financing can also be linked to the word "risk".
Speaking of risk, we have to mention the difference between the risk control of the two products, for banks, financing is more controllable than general loan risk, but also can increase income, adjust the income structure. Generally, the loan only examines the various operating indicators of the enterprise before the loan, and when the loan is issued to the enterprise, it is difficult to monitor the use of funds, and it may face moral hazard.
The financing is based on the real background of the enterprise, and the transfer of goods rights and accounts receivable, as well as the monitoring of the logistics and capital flow of the enterprise, can effectively reduce the risks faced by the bank. Banks can also provide value-added financial services such as credit guarantees, financial management, hedging and hedging to meet the individual needs of enterprises, so the return on capital of financing is relatively higher.
In general, the core enterprises, upstream and downstream enterprises, banks, and third-party logistics will be involved, all of which are monitored and coexisted with each other under the supervision of big data.
And now ** chain finance 40 is known as the open chain financial ecosystem, mainly because a variety of different industries are ready to integrate into the first chain of finance, so it is called open, and now the main thing to integrate into is the primary and secondary industries, that is, agriculture and production.
It is indeed not easy for a traditional industry to integrate into an emerging industry, after all, the concept itself is not unified, but the formation of an ecosystem is different, and the traditional industry can gradually break away from the traditional bank lending model.
If the first chain finance is the upstream and downstream of an industry, then the industrial chain finance is an industry, and an industry can include many industries. If the ** chain is a string relationship, then the industrial chain is the relationship between the pieces, and the scope of the industrial chain is larger than the ** chain. **Chain finance is to finance the upstream and downstream of a certain industry, and the scope of industrial chain finance is much wider than this.