Mallbook: how to promote the rapid implementation of supply chain finance through the supply chain settlement management system?

Many platform enterprises are in the actual business development , because To B The amount of funds required by business transactions is relatively large , The current situation that the platform is trapped in funds has not been solved , In order to survive and develop , And have to compromise with buyers in the buyer's market , Provide accounting period settlement . If the bank can extend credit based on the real transaction background , It will greatly alleviate the financial difficulties of platform enterprises , At the same time, enterprises can also obtain corresponding benefits in the process of implementation , Produce value . So how to promote the rapid implementation of supply chain finance ？

Actually , The key support for the implementation of supply chain finance is to solve supply chain settlement , The following requirements should be met ：

1、 Realize the fund closed-loop management of upstream and downstream settlement in the supply chain ;

2、 Avoid the problems of clearing and taxation ;

3、 Solve the problems of reconciliation, transaction fund security and transaction trust .

and MallBook Self built supply chain settlement management system , Aggregate collection 、 Merchant real name authentication 、 A series of functions such as intelligent account distribution are combined and optimized , It can effectively meet the above needs .

One 、 Supply chain settlement management system

In terms of payment , The system integrates the mainstream payment methods in the market , Convenient one click access ; In terms of security , The system relies on the bank as an independent third party for transaction identity authentication and closed-loop management of transaction funds ; In terms of efficiency , Realize the integration of deposit and withdrawal , Automatic matching of each transaction order and fund information 、 Real time bookkeeping 、 Reconciliation and Sub Ledger .

After the approval of enterprise admittance , You can sign a cooperation agreement on supply chain transaction fund management , Including system cooperation 、 Account Control 、 Merchant real name authentication and other contents , also , When the upstream and downstream merchants of supply chain or platform enterprises log in the management system for the first time , We also need to verify and sign an electronic cooperation agreement , To ensure the authenticity of member transactions .

Two 、 Fund settlement method

The supply chain settlement management system realizes and solves the isolation between the self owned funds of platform enterprises and the funds to be settled by upstream and downstream members , Ensure the security and independence of trading funds . meanwhile , To ensure that the source of transaction funds can be traced , When platform enterprises trade in and out of funds , Detailed order information is required , The system automatically matches the transaction capital flow , Ensure that each transaction can realize capital flow 、 Unification of order information flow . thus , Platform enterprises can avoid clearing risks and tax issues , Let business compliance develop .

3、 ... and 、 Business rules

The supply chain settlement management system is independent of the trading system of the platform enterprise , Have an independent membership certification management system , Help platform enterprises and upstream and downstream members realize online payment and collection 、 Functions such as settlement and disbursement , Anything involving order payment 、 Identity Authentication 、 Account binding 、 Payment password setting and fund settlement , Will automatically jump from the business platform to the management system interface for operation , Effectively ensure the security of payment and settlement .

Supply chain settlement management system and trading system can technically pass the standard API Interface for docking , The deposit and withdrawal information will be stored in the supply chain settlement management system , Transaction funds are stored in the specified summary internal account , The supply chain settlement management system will follow the profit sharing rules set by the platform enterprise in advance , Automatically count the funds of each transaction into the electronic account books of the platform and merchants respectively , The upstream and downstream parties of the supply chain conduct reconciliation and settlement according to the electronic bookkeeping .

In recent years , Supported by a series of supply chain finance related policies , Domestic supply chain finance is entering rapidly 、 Healthy development channel . Platform enterprises can accelerate the landing of supply chain finance through the supply chain settlement management system , Greatly improve the availability of financing . At the same time, it further promotes the scenario and ecology of supply chain finance , Improve the online and digital level , Promote information transparency in the industrial chain 、 Settlement security 、 Efficiency improvement , Provide strong support for the market competitiveness and expansion ability of the industrial chain , It also establishes a more stable and close relationship between finance and entities .