11.5.4经销商融资 II Distributor finance II
适用性:这种融资解决方案满足了一种特殊需求，即在分销商必须向供应货物的制造商付款的日期与货物可以出售的日期之间存在重大时间差距，从而将由此产生的应收账款转换为现金之间存在重大时间差距。
This finance solution addresses a particular need where there is a material timing gap between the date the distributor has to pay the manufacturer supplying them and the date the goods can be sold, and the resulting receivables converted to cash.
以下是分销商融资的主要特点：
The following are the main features of distributor finance:
制造商和融资提供商之间的主分销商融资协议通常将概述该计划的指标，包括：
Master distributor finance agreement between the manufacturer and the finance provider that will typically outline the parameters of the programme, including:
1.商定的参与条款-the agreed terms of engagement;
2.所涵盖的地理区域-the geographies being covered;
3.适用于财务提供商的运营模式和流程，锚和分销商
the operating model and processes applying to the finance provider, anchor ？？and the distributors; and
4.风险分担或同意回购或寻找替代分销商失败的网点？
any risk sharing or agreement to buy back or find alternative outlets 网点？ for inventory where a distributor fails.
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融资提供商和分销商之间的融资协议，通常包括对库存品和应收款的权利转让。
Finance agreement between the finance provider and distributor that will normally include an assignment of rights over inventory and receivables.
对制造商的好处-Benefits to manufacturers
制造商受益于能够将其产品推向其分销商网络，并由其财务提供商保证和即时付款。他们还能够对其分销商网络行使更多的控制权和影响力，从而支持他们在新领域的销售增长。
Manufacturers benefit from being able to push their products out into their distributor network with guaranteed and immediate payment from their finance providers. They are also able to exercise more control and influence over their distributor network and consequently support their sales growth into new territories.
此外，一些金融提供商提供专门为跨国锚？？量身定制的基于网络的平台，这些平台向分销商提供计划信息，并可用作载入工具，在锚？？，其分销商和财务提供商之间建立可见性。其中一些平台还有助于采购订单批准，发票确认和处理和跟踪付款和回撤。
Additionally, some finance providers offer web‑based platforms specifically tailored to a multinational anchor that provide programme information to distributors and can be used as an onboarding vehicle that creates visibility between the anchor, its distributor and finance provider.Some of these platforms also facilitate purchase order approvals, invoice confirmations and the handling and tracking of payments and drawdowns.
对分销商的好处-Benefits to distributors
分销商通常是中小企业，可能位于融资渠道有限的国家，它们受益于反映制造商参与的资金和定价。(制造商的参与有助于融资)
Distributors, which are often SMEs and may be in countries with restricted access to finance, benefit from the availability of finance and pricing that reflects the involvement of the manufacturer.
与分销商可能自行安排的资金成本相比，这种定价通常更便宜。
Such pricing will often be cheaper when compared with the cost of funding that the distributor may be able to arrange for itself.
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