外文翻譯--供應鏈金融銀行加強客戶關系的新貿(mào)易方式

1、<p>　　中文2000字，1200單詞，6900英文字符</p><p>　　外文題目：SUPPLY CHAIN FINANCE :A new way for trade banks to strengthen customer relationships </p><p>　　出 處：cgi’s trade services

2、group </p><p>　　作 者：Kitt Carswell </p><p><b>　　原 文：</b></p><p>　　SUPPLY CHAIN FINANCE : A ne

3、w way for trade banks to strengthen customer relationships</p><p>　　Executive Summary</p><p>　　Driven by a range of pressures, organizations must increasingly source and sell globally. Yet movin

4、g from regional to global sourcing has had a negative effect on these organizations' Working Capital and supply chain performance. As a result, they are looking to their banks to optimize their financial supply chain

5、s, including offering new technologies, bank-assisted Open Account instruments, and new payables and receivables financing approaches. </p><p>　　Although this is new territory for trade banks, it represents

6、a unique opportunity for them to transform from providers that meet only a fraction of their customers' trade needs to full partners that provide solutions across their customers' entire supply chain.</p>

7、<p>　　Supply Chain Finance gives trade banks the tools they need to align their offerings with their customers' evolving supply chain needs. This paper provides background on the growing importance of Supply Cha

8、in Finance (SCF), delving into the key elements and available options from which these solutions are crafted and implemented.</p><p>　　While the market for SCF is still in the early stages of development, in

9、novative banks already have made heavy investments in it and others will be quick to follow. </p><p>　　Background</p><p>　　The effect of globalization on customers' supply chains</p>

10、<p>　　In an increasingly global marketplace, it is more challenging than ever for corporations to keep their competitive edge. </p><p>　　Due to the inability of tracking shipment of orders, buyers canno

11、t accurately predict when shipments will arrive or payments are due.</p><p>　　To compensate, buyers are holding higher levels of inventory to prevent outages and cash to ensure funding is available to meet p

12、ayment obligations. Yet pressing sellers for longer payment terms has increased prices, eroded relationships with sellers, and decreased the stability of the buyers' supplier base.</p><p>　　The same dyna

13、mics make it difficult for sellers to obtain timely payments. Typically, they must wait at least 45 days for payment, and sometimes as long as 90 or 120 days. Due to their geographic location and size, sellers typically

14、lack access to reasonably priced short-term financing. Pressure from buyers to lengthen payment terms only intensifies the situation, which often results in higher prices or an inability to continue as a supplier. The re

15、sult is a financially unstable and higher-risk </p><p>　　Demand for increased flexibility and more choices</p><p>　　Letters of Credit and Documentary Collections are the traditional Trade Financ

16、e instruments used by sellers to mitigate buyer's risk and obtain financing. While these payment methods will continue to play a role in Trade Finance, their importance has eroded by about five percent per year over

17、the past five years. Buyers and sellers alike find them complicated, time consuming and expensive to use.</p><p>　　To mitigate the situation, buyers and sellers are moving to another form of trading which is

18、 faster, easier and less costly: Open Account. This reduces the need for the risk-mitigating buyer features found in traditional Trade Finance products.</p><p>　　In traditional Open Account trading scenarios

19、, sellers ship their goods and send an invoice to the buyer. In turn, the buyer pays the seller's invoice by check or electronic payment. Unlike Letters of Credit and Documentary Collections, trade banks' involve

20、ment in this process has been restricted to processing checks and payments, which provides no insight into their customers' supply chains.</p><p>　　Open Account trading currently represents 85 percent of

21、 global trade transactions, reducing the role of traditional Trade Finance to about 15 percent. As a result, banks' participation in their customers' trading is steadily declining-confining banks to an ever small

22、er slice of their customers' overall trade business.</p><p>　　Faced with the complex requirements of their extended supply chains, corporations are looking for help. An Aberdeen Group study conducted in

23、2006 found that 90 percent of enterprises addressing their global supply chain technology as “inadequate to provide the corporate finance function with the timely information it requires.” 1 As a result, bank customers a

24、re looking for creative new ways to increase responsiveness, visibility, efficiency, cost optimization, liquidity and predictability across</p><p>　　As a result of the long-term trusted role that banks have

25、traditionally played, their customers are looking to them to help optimize their financial supply chains - including offering new technologies, bank-assisted Open Account instruments, and new payables and receivables fin

26、ancing approaches.</p><p>　　Supply Chain Finance</p><p>　　Introducing Supply Chain Finance (SCF)</p><p>　　Aberdeen Group defines Supply Chain Finance (SCF) as “a combination of Trad

27、e Financing provided by a financial institution, a third-party vendor, or a corporation itself, and a technology platform that unites trading partners and financial institutions electronically and provides the financing

28、triggers based on the occurrence of one or several supply chain events.” </p><p>　　The overall goal of SCF is to optimize Working Capital throughout the end-to-end supply chain for both buyers and sellers.&l

29、t;/p><p>　　The features and benefits of Supply Chain Finance include:</p><p>　　? Helping the buyer optimizes the supply chain by offering bank-assisted </p><p>　　Open Account processin

30、g, buyer-backed and direct seller financing.Purchase Order and Invoice Data Management, and data matching across Open Account, bank assisted Open Account and Letters of Credit</p><p>　　? Meeting the seller&#

31、39;s export finance needs for pre-shipment, shipment and postshipment financing from the seller's bank for Export Letters of Credit and Outward Collections, and from the buyer's bank for bank-assisted Open Accoun

32、t and Import Letters of Credit</p><p>　　? Providing liquidity to sellers through receivables financing</p><p>　　Armed with these capabilities, banks can offer SCF solutions that enable their cus

33、tomers to lower costs and create financial stability in their end-to-end supply chain-and create deeper and broader customer relationships in the process. </p><p>　　Key elements of Supply Chain Finance solut

34、ions</p><p>　　Key elements of SCF include Purchase Order / Invoice Data Management, bankassisted Open Account, Open Account Payment, Export / Seller Finance and buyerside finance.</p><p>　　Purch

35、ase Order / Invoice Data Management</p><p>　　Global trade transactions revolve around Purchase Orders, Invoices and other nonbank documents. Letters of Credit, Documentary Collections and bank-assisted Open

36、Account instruments simply provide added benefits.</p><p>　　Incorporating Purchase Order and Invoice data into traditional Trade Finance and creating new Open Account solutions around them allows banks to pr

37、ovide strong offerings that align with corporations' view of the Supply Chain Finance. The first step is to work with the customer to obtain access to Purchase Order and Invoice Data. This can be accomplished through

38、 portal uploads or back-office integration. </p><p>　　Once the data is available, banks can offer a range of services, including:</p><p>　　? Purchase Orders / Invoices linking Open Account and T

39、rade Finance instruments. Banks can link Purchase Orders and Invoices to their Open Account and Trade Finance instruments, with the objective to integrate Purchase Order terms to the instrument and/or to provide the unde

40、rlying basis for financing. </p><p>　　? Invoice Matching Service.</p><p>　　Banks also can match Invoice Data against Purchase Orders to identify mismatches. Mismatches are then handled as approp

41、riate for the type of instrument to which the Purchase Order is linked. Matching can be done at a high level, matching key data only, or can be executed in more depth. For example, Swift recently introduced their Trade S

42、ervices Utility (TSU) to provide its member banks with a deep matching service they can embed within their trade applications.</p><p>　　? Purchase Order Tracking.</p><p>　　As a result of invoice

43、 matching, the bank can track the status of Purchase Orders and their remaining balances on behalf of the customer. This information can be provided back to the customer via various channels, such as front-end systems an

44、d back-office integration.</p><p><b>　　譯 文：</b></p><p>　　供應鏈金融：銀行加強客戶關系的新貿(mào)易方式</p><p>　　在壓力驅動下，組織必須增加資源和全球銷售。從區(qū)域到全球的采購，已對這些組織的工作資本與供應鏈績效產(chǎn)生負面影響。因此，他們正在尋找使他們的銀行財務供應鏈優(yōu)化的方式，包

45、括提供新的技術，銀行開戶輔助工具，以及新的應付款和應收款融資方式。</p><p>　　雖然這是銀行的貿(mào)易新領域，但它代表一個獨特的機會讓他們實現(xiàn)由提供者只能滿足部分客戶的貿(mào)易需要在他們的客戶提供全套解決方案合作伙伴的整個供應鏈。</p><p>　　銀行提供的供應鏈金融貿(mào)易工具，以配合其客戶不斷發(fā)展產(chǎn)品供應鏈的需要。本文提供基于供應鏈金融（SCF）的日益重要的背景下進入該市場的關鍵要素，

46、以及制作鉆研進入的解決方案是可行的。</p><p>　　雖然SCF的市場還處于發(fā)展的初級階段，但創(chuàng)新能力的銀行已經(jīng)取得了大量投資，其他銀行也將很快跟進。</p><p><b>　　背景</b></p><p>　　供應鏈全球化對客戶的影響</p><p>　　一個日益全球化的市場，對公司來說保持其競爭優(yōu)勢比以往任何時

47、候都具有挑戰(zhàn)性。</p><p>　　由于無法跟蹤訂單發(fā)貨，買家不能準確地預測什么時候出貨量將到達或還款。</p><p>　　為了補償，購房者持有較高水平的庫存，以防止停電等意外的現(xiàn)金需求，以滿足支付義務。然而，賣方較長的付款時間增加了銷售價格，侵蝕與賣家的關系，并降低了買方的供貨基地穩(wěn)定。</p><p>　　同樣的動態(tài)很難為賣方得到及時的付款。通常，他們必須等

48、待至少45天，有時長達90天或120天。由于其地理位置和規(guī)模，銷售者通常無法獲得價格合理的短期融資。買家延長付款期限情況往往會引起價格上漲或使其無法繼續(xù)作為供應商。其結果是財政不穩(wěn)定和高風險。</p><p>　　更大靈活性和更多的選擇的需求</p><p>　　信用和跟單托收信函是傳統(tǒng)的貿(mào)易融資，以減輕買方經(jīng)銷商使用的風險，并獲得融資工具。雖然這些付款方式將繼續(xù)發(fā)揮在貿(mào)易融資方面的作用，

49、但在過去的五年里它的重要性以每年約百分之五的速度在削弱。買家和賣家都發(fā)現(xiàn)他們使用起來非常的復雜，費時和昂貴。</p><p>　　為了緩解這種情況，買家和賣家都轉移移到了另一種，更快，更容易，成本更低的交易方式：開放式帳戶。這減少了風險厭惡者對傳統(tǒng)貿(mào)易融資產(chǎn)品的需求。</p><p>　　在傳統(tǒng)的公開賬戶交易情況，銷售商的貨物和船舶發(fā)送發(fā)票給買方。相應地，買方以支票或電子付款的方式支付賣方

50、的發(fā)票。不像信貸和跟單托收信函，商業(yè)銀行參與這一進程被限制在處理支票和付款，提供不了洞察到客戶的供應鏈。</p><p>　　目前開放式賬戶交易占全球貿(mào)易的85%，減少了傳統(tǒng)貿(mào)易融資百分之十五左右的份額。結果是銀行在參與他們的客戶交易的程度不斷下降，銀行對他們的客戶的整體貿(mào)易業(yè)務也進而越來越小。</p><p>　　面對復雜的擴展的供應鏈的要求，公司正在尋找?guī)椭?。阿伯丁集團的研究發(fā)現(xiàn)，在2

51、006年90%的企業(yè)稱其全球供應鏈技術在提供及時的企業(yè)融資功能需要的信息不足，這使得銀行客戶尋找創(chuàng)造性的新方法提高整個供應鏈的響應速度，可見性，效率，成本優(yōu)化，流動性和可預見性。</p><p>　　受傳統(tǒng)銀行長期受信用要求的限制，客戶尋求銀行幫助他們優(yōu)化財務供應鏈- 包括提供新的技術，基于銀行支持的開放式賬戶和新的應付賬款和應收賬款融資方式。</p><p>　　供應鏈金融（SCF）的介

52、紹</p><p>　　阿伯丁集團定義 “供應鏈金融（SCF）是一種由金融機構或第三方供應商或公司本身提供的貿(mào)易融資和聯(lián)合貿(mào)易伙伴金融機構技術平臺結合而成，并提供發(fā)生在一個或幾個供應鏈事件為基礎的融資觸發(fā)器的融資方式。供應鏈金融的總目標是為買家和賣家優(yōu)化整個供應鏈終端的周轉。</p><p>　　供應鏈金融的特點和收益</p><p>　　銀行幫助買方優(yōu)化其供應鏈。

53、開方式帳戶處理，買方與賣方的支持和直接融資。采購訂單、發(fā)票數(shù)據(jù)管理、開方式帳戶數(shù)據(jù)、信用證。</p><p>　　滿足賣方裝運前裝運中及裝運后的來自賣方的信用證及托收和來自買方的銀行開放式賬戶或者是進口信用證的出口信貸需求。</p><p>　　通過應收帳款的融資向賣方提供流動性。有了這些功能，銀行可以提供使客戶能夠降低成本的SCF解決方案，創(chuàng)造在他們的終端到終端的供應鏈方面的金融穩(wěn)定性和

54、在過程中更深入和更廣泛的客戶關系。</p><p>　　供應鏈金融解決方案的關鍵要素</p><p>　　供應鏈金融解決方案的關鍵要素包括：采購訂單/發(fā)票數(shù)據(jù)管理，銀行開放式賬戶，出口/賣方信貸和買方融資。</p><p>　　?采購訂單/發(fā)票數(shù)據(jù)管理</p><p>　　全球貿(mào)易交易采購訂單涉及發(fā)票和其他非銀行文件。信用證，托收和銀行開放式

55、賬戶工具書僅僅只是提供額外的好處。</p><p>　　結合采購訂單和發(fā)票數(shù)據(jù)到傳統(tǒng)的貿(mào)易融資，創(chuàng)造新開放式賬戶的解決方案，使得銀行能夠提供與企業(yè)的供應鏈金融一致的強有力的產(chǎn)品。第一步是與客戶合作，獲得進入采購訂單和發(fā)票數(shù)據(jù)。這可以通過門戶網(wǎng)站上載或后臺整合。</p><p>　　一旦數(shù)據(jù)可得，銀行可以提供一些列的服務，具體包括：采購訂單/結合開放式賬戶和貿(mào)易融資工具的發(fā)票，銀行這一措施的

56、目的是整合在儀器采購訂單條款和/或提供基礎性融資。</p><p><b>　　?發(fā)票配對服務</b></p><p>　　銀行也可以匹配采購訂和單發(fā)票數(shù)據(jù)，以確定其匹配性。若不匹配，則使發(fā)票數(shù)據(jù)與其采購訂單掛鉤。匹配的可以更深入地執(zhí)行上升到較高的水平，而不只是關鍵數(shù)據(jù)的匹配。例如，斯威夫特最近介紹了他們的貿(mào)易服務工具（臺聯(lián)），提供了深刻的配套服務，他們可以嵌入在其貿(mào)