The Innovation Research Of Commercial Bank Supply Chain Finance Business

In China, small and medium-sized enterprises (SME) which account for about95%of domestic enterprises have been the important participant to promote the normal operation of the modern economic system, made great contribution to national economic construction. The development of SME has increased employment opportunities, alleviated the employment pressure, elevated people’s living standards, maintaining social prosperity and stability. With relatively strong technological innovation ability, the participation of SME not only promotes the deepening of the industrial structure adjustment, but also breaks the market monopoly effectively becoming an important force to maintain the vitality of the market However, the financial support which small and medium enterprises get vastly disproportionate to its economic contribution. For the development of small and medium-sized enterprises, financing problems have became an important restricting bottleneck.In view of its own characteristics, the small and medium-sized enterprises have difficulty to obtain financing from banks or other financial institutions. In China, the imperfect financial support system and traditional bank credit models form big limitations for SME financing. Supply chain finance is a major breakthrough which connects the Banking with small and medium-sized enterprises. Based on the management degree of the entire supply chain, supply chain finance leads into the core enterprise credit, providing the banking with an effective way to furnish financing services for nodes enterprises.Based on the theory of supply chain finance and SME finance theory, the paper analyzes the operation mechanism, and operational risk of supply chain finance. With the analysis of the supply chain finance exploration of local commercial bank, the paper considers the bank-enterprise problems, exploring the possible innovation programs of commercial bank supply chain finance.