Pharmaceutical enterprises and supply chain finance cooperation
Supply chain finance companies for the supply chain core enterprises and their upstream and downstream supporting enterprises of the trading relationship, with the help of large-scale enterprise payment ability and strong credit support and other aspects of the assessment, and upstream and downstream small and medium-sized enterprises of the payables and receivables, inventory and other pledge financing for the supply chain in the single or multiple pharmaceutical enterprises to provide comprehensive financial services support. Provide comprehensive financial service support, thus strongly solving the supply chain enterprise's capital gap and credit imbalance and other problems. So, here is what I have organized for you pharmaceutical enterprises and supply chain financial cooperation, welcome to read and browse.
(a) The pharmaceutical industry upstream procurement link supply chain financial service product demand. According to the characteristics of the procurement link in the pharmaceutical industry chain, for the procurement link financial products we recommend domestic factoring and accounts receivable pledge business.
1. Domestic factoring
(1) Business definition: the upstream supplier sells on credit to the core enterprise (pharmaceutical manufacturer) and forms accounts receivable, and the supply chain finance company accepts the accounts receivable, and on the basis of which, the company provides the supplier with accounts receivable account management, accounts receivable financing, accounts receivable collection, and bears the credit risk of the buyer of the accounts receivable. The supply chain finance company is assigned the accounts receivable, and on the basis of which it provides a series of comprehensive financial services to the supplier, including accounts receivable account management, accounts receivable financing, accounts receivable collection and accounts receivable buyer credit risk.
(2) Applicability: The upstream suppliers of the core enterprise (production or trading enterprises) have certain financial strength and can produce or purchase with their own funds and sell on credit to the core enterprise.
(3) Risk points and control measures: In order to protect the rights and interests of the supply chain finance company under the accounts receivable, it should be inquired and registered on the People's Supply Chain Finance Company's Accounts Receivable Pledge Registration Public Disclosure System prior to the business being placed on the counter, so as to counteract the bona fide third party and obtain the right of preferential subrogation for claims.
2. Domestic accounts receivable pledge credit business
(1) Business Interpretation: It refers to the accounts receivable formed by the upstream supplier's credit sales to the core enterprise (the pharmaceutical manufacturer) and the credit line of the supply chain finance company obtained by pledging the relevant receivables to the supply chain finance company as well as the specific financing business under the credit line. The accounts receivable pledge credit business takes the accounts receivable return as the main repayment source, and the supply chain finance company retains the financing recourse to the credit applicant (i.e. the upstream supplier).
(2) Applicability: The upstream suppliers (production or trading enterprises) of the core enterprise have certain financial strength, and can produce or purchase with their own funds and sell on credit to the core enterprise.
(3) Risk control measures: Before the business is placed in the cabinet, it should be inquired and registered in the People's Supply Chain Finance Corporation's Accounts Receivable Pledge Registration Public Notice System, in order to fight against the bona fide third party and obtain the right of prioritized subrogation claim.
(2) Demand for products related to the downstream sales segment of the pharmaceutical industry
3. guaranteed warehouse business
(1) Business background: the guaranteed warehouse business is a supply chain finance company for the pharmaceutical supply chain of the downstream customers of the pharmaceutical production enterprises (these downstream customers are mainly in addition to the hospitals of the pharmaceutical distributors,
(2) Business Interpretation: The supply chain finance company signs a three-way business cooperation agreement with the core enterprise (pharmaceutical manufacturer) and the pharmaceutical company, allowing the pharmaceutical company to pick up the goods in cash and the supply chain finance company's promissory note or domestic letter of credit, etc., and the core enterprise is entrusted with the safekeeping of the drugs. After the pharmaceutical company applies for payment to the supply chain finance company, the supply chain finance company notifies the core enterprise to deliver the goods, and the core enterprise delivers the goods according to the instructions of the supply chain finance company.
(3) Applicable: the pharmaceutical company should be recognized by the core enterprise and recommended to the supply chain finance company; the core enterprise is willing to assist the supply chain finance company to control the goods and bear the responsibility of refunding the difference (unshipped portion).
(4) Operational points: should be clearly required in the tripartite cooperation agreement, the core business to the supply chain finance company to assume the responsibility for the difference in the refund or joint and several guarantee responsibility; supply chain finance company financing payments directed to pay the core business, supply chain finance company promissory notes should be directly delivered by the supply chain finance company to the core business.
(5) business process: ① supply chain finance company and the core business signed a supply chain financial services network business general cooperation agreement; ② supply chain finance company, the core business, the pharmaceutical company signed a tripartite business cooperation agreement; ③ pharmaceutical company to the supply chain finance company to apply for the establishment of a supply chain finance company promissory note (or flow of loans, domestic letters of credit, etc.); ④ supply chain finance company to the core business directed payment; ⑤ supply chain finance company to the core business Directed payment to the core enterprise; ⑤ pharmaceutical companies to the supply chain finance company payment application for pickup; ⑥ supply chain finance company notify the core enterprise shipment; ⑦ core enterprise to the pharmaceutical company shipment (Note: so the cycle of operation, until the shipment is completed), in the supply chain finance company promissory note or before the expiration of the tripartite agreement, the pharmaceutical company should be deposited in the supply chain finance company deposit, so that the financing of openness at the same time to fill the level; ⑧ such as the pharmaceutical company If the pharmaceutical company defaults on the contract (not paying for the goods within the agreed time), the supply chain finance company notifies the core enterprise to return the part of the goods not picked up to the supply chain finance company corresponding to the 'payment.
4, the manufacturer of silver business
(1) Business background: similar to the business of guaranteed warehouse.
(2) Business Interpretation: Manufacturer silver business operation is similar to the confirmed warehouse business, refers to the supply chain finance company through the core business (pharmaceutical manufacturers), pharmaceutical companies (pharmaceutical distribution companies, etc.) signed a tripartite business cooperation agreement, to give the pharmaceutical company to meet the financing to meet the core business of ordering medicines, pharmaceutical equipment, capital needs, and by the core business of pharmaceutical companies to the supply chain financial company to provide a joint liability guarantee. The core enterprise provides joint and several liability guarantee for the pharmaceutical company to the supply chain financial company. The difference between this and the cashier's warehouse business is that the manufacturer's bank business cannot operate in the same cycle as the cashier's warehouse business.
(3) Applicable: pharmaceutical companies and the core business close relationship, such as pharmaceutical companies for the core business set up in various parts of the sales molecule company, etc.; pharmaceutical companies should be recognized by the core business and recommended to the supply chain finance company; the core business is willing to supply chain finance company to assume joint and several liability guarantee.
(4) Risk control points: the core business must sign a guarantee contract with the supply chain finance company, and clearly by the pharmaceutical company in the supply chain finance company to assume joint and several guarantee responsibility.
(5) business process: ① supply chain finance company and the core business signed a supply chain financial services network business general cooperation agreement and guarantee contract; ② supply chain finance company, the core business, the pharmaceutical company signed a tripartite business cooperation agreement; ③ pharmaceutical company to the supply chain finance company to apply for the establishment of a supply chain finance company promissory note (or flow of credit, domestic letters of credit, etc.); ④ supply chain finance company to the core business directed payment; ④ supply chain finance company to the core business to the payment. The company's main goal is to provide the core company with a directional payment; ⑤ the core company will deliver the goods to the pharmaceutical company according to the production and sales schedule; ⑥ if the pharmaceutical company defaults on the contract, the supply chain finance company will notify the core company to assume joint and several responsibility for the guarantee and pay the relevant amount to the supply chain finance company.
5, order financing
(1) Business background: For better qualification, stable supply and marketing channels, or with the core business as a related company of the pharmaceutical company, if its downstream business is in a strong position of hospitals, the hospitals in the bulk purchase of medicines and medical equipment to the pharmaceutical company is not willing to apply to the supply chain finance company If the hospital is not willing to apply for financing services from the supply chain finance company when it purchases drugs and medical devices in bulk from the pharmaceutical company and is not willing to recognize the accounts receivable to the pharmaceutical company, the supply chain finance company can provide financing to the pharmaceutical company.
(2) Business Interpretation: It refers to the business of enterprises with good credit buyer's product orders, under the condition of mature technology, guaranteed production capacity and effective guarantee, supply chain finance companies provide special loans for enterprises to purchase materials and organize production, and enterprises repay the loans immediately after receiving the payment.
(3) business process: ① pharmaceutical companies to the supply chain finance company issued a letter of commitment, agreed that its collection account for the regulatory account; ② when the hospital signed a purchase agreement on the pharmaceutical company, the pharmaceutical company with the original agreement to the supply chain finance company to apply for financing, supply chain finance company to review the purchase agreement; ③ supply chain finance company to the core business of the directional payment, according to the pharmaceutical company to the core business of the procurement contract to give the flow of credit or open a loan The supply chain financial company to the core business directed payment, according to the pharmaceutical company to the core business of the procurement contract to give the flow of credit or open supply chain financial company promissory note; ④ core business after receiving the payment of goods through the supply chain financial company designated logistics company shipment; ⑤ hospitals to receive the drugs or medical equipment according to the procurement contract on the receipt of the account number of the payment will be paid into the supply chain financial company supervisory account.
(4) Risk point control: the pharmaceutical company and the hospital signed a procurement agreement agreed to lock the account number in the supply chain financial company; require the pharmaceutical company to the supply chain financial company to issue a letter of commitment: all the company's sales of money back to the account of the supply chain financial company, the supply chain financial company to the collection account for supervision; supply chain financial company and the pharmaceutical company *** with the signing of a letter of notification, informing the hospital that the pharmaceutical company has been to the supply chain financial company account, the supply chain financial company and the hospital to sign a letter of notification. The company's business model is based on the idea that a company's business model is a "business model", and that the company's business model is a "business model", and that the company's business model is a "business model", and that the company's business model is a "business model".
6, domestic commercial invoice discount
(1) Business background: commercial invoice discounting business is the supply chain finance company for the pharmaceutical supply chain of pharmaceutical companies, because of its downstream customers are stronger (such as hospitals, etc.), and more than the use of credit to buy medicines and medical equipment, the pharmaceutical company from the downstream customer sales of drugs to the The pharmaceutical company lacks short-term liquidity from the time it sells drugs to its downstream customers to the time it receives payment for the sales, when there is a payback period.
(2) business definition: domestic commercial invoice discounting refers to the existence of a contract between the supply chain finance company and the seller, according to which the seller will be based on the present or future accounts receivable arising from the contract for the sale of goods entered into with the buyer (the debtor) transferred to the supply chain finance company, the supply chain finance company for the seller to provide trade finance, sales sub-accounts management, accounts receivable collection The supply chain finance company provides the seller with comprehensive financial services such as trade financing, sales ledger management and accounts receivable collection. This business is also a kind of domestic factoring business, based on the assignment of accounts receivable claims.
The seller can apply for financing from the supply chain finance company with relevant commercial documents and documents such as the original and copies of the commercial invoice to be discounted and the VAT invoice with the statement of debt transfer.
(3) Business applicable customers and business: small and medium-sized enterprises that have a certain number of years of cooperation with the supply chain finance company, have stable operations, need to realize sales returns as soon as possible, and require fast turnover of funds; widely used in credit sales, collection, and other transaction methods.
(4) business process: ① pharmaceutical companies and supply chain finance companies signed the "domestic commercial invoice discounting agreement"; ② pharmaceutical companies to downstream enterprises sold medical supplies or provided services; ③ downstream enterprises to notify the pharmaceutical company to open commercial invoices; ④ supply chain finance company to the seller's commercial invoices according to the provisions of the discounting agreement for discounting, while the pharmaceutical company will be the "Accounts Receivable The supply chain finance company takes appropriate measures to collect the accounts receivable from the buyer before the due date; ⑤ If the buyer's payment is not received by the due date of the discounted commercial invoice, the supply chain finance company has the right to recover the discounted amount from the pharmaceutical company thirty days after the due date of the relevant commercial invoice, and to accrue interest at a reasonable rate. When payment is due from the buyer, Supply Chain Finance uses it to return the discounted principal and interest and transfers the balance to the seller.
(5) Risk control: the supply chain finance company in the pharmaceutical company to give invoice discounting before, need to strictly review its business situation and future cash flow; choose the qualification of the better downstream customers; by the supply chain finance company in the accounts receivable before the due date to the buyer to call for the payment of the goods; once found that the downstream customers are unable to pay or have a tendency to refuse to pay, need to take measures to ensure that the supply chain financial company immediately The company's business model is based on the idea that the company's business model is a "one-stop-shop".
7, accounts receivable pledge
(1) business background: supply chain finance company for the pharmaceutical supply chain of pharmaceutical companies or drug manufacturers in the sales of goods to the downstream enterprises, the existence of the payback period and the lack of short-term liquidity provided by the financing program.
(2) business interpretation and operational process: with the core enterprise procurement stage of raw material suppliers to the core enterprise financing approach consistent
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