Research On Supply Chain Financial Business Development Of Commercial Banks In China

With the continuous development of reform and opening up,the number of small and medium-sized enterprises in our country increases fast and they gradually become the main force to promote the development of national economy.But limited by small and medium-sized enterprises' own scale,fewer fixed assets,less money and financing difficulty are always important factors of restricting the development of small and medium-sized enterprises.Especially in the supply chain as "supply-production-sales",small and medium-sized enterprises' cash-strapped problem becomes more prominent,that makes the whole industry supply chain out-of-balance and seriously impacts on the competitiveness of the supply chain as a whole.In this context,in order to solve the financing difficulty of small and medium-sized enterprises,Supply Chain Finance wasdesigned and walkedinto people's line of sight.As a new mode of financial service,Supply Chain Finance wins the great attention of domestic and foreign financial institutions and starts in rapid development.Although domestic Supply Chain Finance starts relatively late,but also gradually becomes the importance of domestic commercial banks' business development.On the one hand,Supply Chain Financeprovides a new train of thought to break the financing difficulty for small and medium enterprises.Commercial banks breakthrough the traditional credit assessment approach,combinesmall and medium-sized enterprises with the core enterprise in the supply chain as a whole supply chainto evaluate and provide comprehensive financing solutions for them.On the other hand,Supply Chain Finance also brings new business and profit growth point for commercial banks.It realizes win-win situation of commercial banks and enterprises.Based on the concept and characteristics of Supply Chain Finance and related theories,this articlecarries on the exploration for our country commercial banks' main financing model of Supply Chain Finance business.And with B Bank as the breakthrough point,it carries on the thorough investigation and analysis to present development of B Bank'sSupply Chain Finance business.The article introduces respectively main products inB Bank'sthree supply chain financing modes: in advance payment financing,inventory financing,accounts receivable financing.And combines with B Bank'stypical cases in different financing modes,this paper discusses advantage and risk points of the three kinds of supply chain financing mode in specific application.In addition to good aspects of B Bank'sSupply Chain Finance business development,the study also finds some problems: productsare not enough rich,outdated risk management concept,inefficient business management mode,electronic businessdevelopment lags behind.At the same time,the article studies reasons what lead to those problems and finds that competitiveness deviation,imperfectrisk internal control mechanism,the shortage of supply chain managementand the influence of some external factors hinder the development of B Bank'sSupply Chain Finance business in a certain extent.On this basis,it puts forward the corresponding countermeasuresrespectively for the existing problems.The author hopes that through the research in main financing modes and products,problems in business development and countermeasures of B Bank's Supply Chain Finance business in this article,it could provide some reference for the future development of Supply Chain Finance business to domestic commercial banksincluding B Bank and speed up the development of Supply Chain Finance in China.