China Construction Bank's Supply Chain Financial Business Development Research

With the rapid development of the economy of our country, banking has entered a golden flourishing period which prompts the reform of the banking and deepen the innovation of the finance. Supply chain financial products were born at the same time. Nowadays, as the new financial product mode it has appeared to the attention of the global banks. Recent years, commercial banks of China step into supply chain finance, which prompt the development of the financial products of supply chain finance to seize the new Blue Sea of this business, which is becoming the new growth point of the new business of all the commercial banks.This essay takes the Supply Chain Finance of China Construction Bank (hereafter called CCB) as the object of study, combining theoretical analysis with empirical research. Firstly, the author expresses the background, significance, overseas and domestic research status of the research of Supply Chain Finance. Then, based on it, referring to the current status, clients, risks of the Supply Chain Finance of CCB, the author succeeded finding out a few existing problems: short of innovation ideas and international products in supply chain; pending further development of small and medium-sized enterprises whitest keeping large-sized enterprises in customs aspects; Unscientific credit risk management, unspecialized operational risk management and unprofessional market risk management in risk management.Through practice, theoretical analysis, logical deduction, the author provides below suggestions:in the aspect of product, CCB should build an innovation system to optimize its international Supply Chain Finance products; in the aspect of client, CCB should strengthen the cooperation with large-sized enterprises and develop more clients of small and medium-sized enterprises; in the aspect of risk control, CCB should introduce debt rating to its credit risk management, improve the key link control of the operational risk management, strengthen the market risk research and information conduction. The author extended her research from theory to practice and then back to theory gradually. Based on those analysis, the author expected to use her knowledge and experience to help CCB to improve its Supply Chain Finance and so as to provide reference to the marketing of Supply Chain Finance of the other commercial banks.