OEM经销商融资：下一个边疆

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Large telecom, computer, equipment and other OEM manufacturers use a network of both third-party resellers and distributors to sell product in multiple countries. Many of these local market distributors face cash flow issues because of lengthy domestic payment terms and limited access to credit facilities or affordable funding. Banks and other lenders can provide direct loans and credit facilities to distributors, backed by varying levels of support and involvement by the corporate OEM. A healthy dealer and distributor network is important for current and future sales for the OEM. According to one banker, a lot of distributors fall into the mid-market segment and for them the average cost of credit is high, and they may even find it difficult to arrange credit line.

But贸易融资Matters对基于云的电子商务平台来说，为OEM经销商/供应商/分销商结构中的经销商融资提供了巨大的潜力。

Click here要下载报告的副本：经销商金融 - 在未开发的市场上的新手

In this arrangement, the OEM functions as the “middle party” working with its dealer/vendor/distributor network and its network of end buyers (or accounts) to manage invoicing, matching, price validation, dispute management, credit and collections, payments to its dealers and collecting receivables from national account customers. Third-party providers may offer risk management or logistics support to broaden such a solution.

This alternative version of distribution finance is suitable for many industries, including automotive, technology, construction, agriculture, healthcare and manufacturing. Yet, despite significant improvements in predictive models based on big data on purchase orders and invoices, distribution finance has not materially evolved in terms of its services, pricing or market participants.

Emerging markets add even more pressures to distributors because of the disparity in payment terms of their local buyers compared to paying the OEM. You may find an OEM or fast-moving consumer goods (FMCG) company selling to distributors on 30-day terms but the distributor sells to its end customer on much longer terms.

While banks are seeing growth in distributor finance across many trade flows, and even in a multitude of currencies, they lack the cloud solution to manage the OEM-distributor-end buyer network. Through the use of electronic B2B platforms that enable the efficient flow of data and documents, a transformation can occur that will be healthy for all parties to the supply chain, thus enabling the OEM to achieve superior sales growth, and helping vendors, dealers and distributors to effectively manage cash flow.

Click here要下载报告的副本：经销商金融 - 在未开发的市场上的新手