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账期长、融资难?供应链金融如何破解企业资金链困局?
Sou Hu Cai Jing· 2025-10-15 09:51
Core Insights - The challenges faced by small and medium-sized enterprises (SMEs) include long payment terms, financing difficulties, and tight cash flow, which are significant barriers to their development [1][2] - Supply chain finance is emerging as an innovative solution to enhance capital flow within the supply chain, addressing the limitations of traditional financing methods [2][3] Industry Overview - Traditional financial services often fail to provide timely and flexible funding support to SMEs, leading to operational constraints and missed market opportunities [2] - The reliance of commercial banks on core enterprises in supply chain finance creates challenges such as difficulty in accounts receivable verification and risk control [2] Company Innovations - Liu Liu Cang Group has developed a supply chain finance solution centered on the industrial chain, integrating various flows (commercial, logistics, information, and capital) to facilitate efficient capital circulation [3][4] - The company offers a comprehensive suite of financial services, including credit enhancement, financing, guarantees, settlement, and accounts receivable management, tailored to the needs of SMEs [3][4] Technological Advancements - Liu Liu Cang Group utilizes blockchain technology for real-time monitoring and analysis of transaction data, ensuring the authenticity of trade backgrounds and traceability of accounts receivable [4][6] - The integration of big data, blockchain, and IoT technologies enables the company to break down information silos, enhancing the efficiency and accuracy of financial services [6][7] Market Impact - Liu Liu Cang Group's supply chain finance has evolved beyond mere financing tools, becoming a core driver of industrial upgrading and facilitating a low-cost financing environment for SMEs [6][9] - The company has established a vast supply chain finance ecosystem through partnerships with banks, financial institutions, and logistics companies, promoting resource sharing and collaborative advantages [6][7] Strategic Vision - The approach of Liu Liu Cang Group emphasizes responsible financial innovation, ensuring that core enterprises do not shift financial pressures onto weaker supply chain partners [7][9] - The company positions itself as a partner for SMEs, promoting a collaborative ecosystem that enhances efficiency and shared growth opportunities [9]