乐享课堂：应收账款、存货、预付款融资，企业该如何抉择？

Core Viewpoint - Supply chain finance provides diverse funding solutions such as accounts receivable financing, inventory financing, and prepayment financing, allowing companies to optimize cash flow and enhance competitiveness based on their specific circumstances and industry needs [1] Group 1: Financing Modes Based on Supply Chain Stages - In the sales stage, accounts receivable financing can quickly recover funds due to long collection cycles [2] - In the production stage, inventory financing helps convert excess inventory into cash, facilitating normal operations [2] - In the procurement stage, prepayment financing addresses funding gaps to ensure the supply of raw materials or goods [2] Group 2: Industry-Specific Financing Applications - Accounts receivable financing is suitable for industries with long payment cycles, such as manufacturing, construction, IT services, and apparel [6] - Inventory financing is applicable in industries facing seasonal sales fluctuations, such as apparel and electronics, where excess inventory can be converted into cash [6] - Prepayment financing is essential in industries like raw material procurement and electronics, where large upfront payments are necessary to secure supplies [5][10] Group 3: Addressing Company Pain Points - Companies facing slow accounts receivable recovery can utilize accounts receivable financing to maintain operations [9] - Businesses with inventory buildup due to market demand fluctuations can opt for inventory financing to alleviate cash pressure [9] - Firms under pressure to make large prepayments can leverage prepayment financing to ensure supply continuity [9] - Companies experiencing short-term cash flow issues can consider a combination of the three financing modes based on their asset status and business characteristics [9]