Commercial Bank Supply Chain Finance Financing Model Research

In recent years, as a commercial bank a new business model, supply chain finance developedrapidly in the domestic banking sector, commercial banks become new growth points. In order tomeet the financing needs of the supply chain enterprises in different nodes, Commercial banksupply chain finance financing services gradually formed in the exploration and continuousimprovement. At present, China on various restrictions on foreign banks have basically let go, andwith the further development of market economy, financial reform gradually into deep water, thecompetition among banks becomes more intense, the traditional source of profits rely mainly ondeposit spreads urgent need to change modes, domestic commercial banks are facing pressure toupgrade.This paper introduces the background of supply chain finance, supply chain finance theoryexpounded, and then sort on the basis of the existing domestic and international supply chainfinance research literature, describes the current basic model is relatively mature supply chainfinancing, and analysis of the common risks of supply chain finance. Finally, the bus industry, forexample, to explore different nodes suitable for supply chain enterprise financing model, analyzethe causes and risk characteristics of various risk financing model proposed risk preventionmeasures for domestic commercial banks finance innovative supply chain financing model hascertain the practical significance.Supply chain finance business to a certain extent, ease the industrial chain financingdifficulties of SMEs and enhance the core business of the supply chain management and controlcapability, improved core business dependence on primary cooperative banks, and banks are ableto develop this potential depth huge market, bring in huge returns. Supply chain finance business inline with the requirements of commercial banks to accelerate the strategic transformation of thestructure and customer structure, the commercial banks will certainly increase innovation ofproducts and brands to continue to promote the development of supply chain finance.Supply chainfinance in our country will usher in the golden period of development, a variety of innovative financing models will also launch an endless stream, supply chain finance will become acommercial bank’s new business development model and a new profit growth point.