Research On Financial Innovation Model Of Online Supply Chain In Commercial Banks

With the rapid development of the Internet industry in China,the popularization of electronic commerce,the new "Internet plus" business models have emerged,the traditional supply chain financing of small and medium-sized enterprises have been unable to meet the new demand of capital "short,frequency,fast".With the continuous innovation of financial products and financial characteristics of the interest rate market,financial disintermediation and other new era of emerging commercial banks should seek a kind of innovation of financial supply chain operation mode.Therefore,based on this background,this paper studies the innovation model of the traditional offline supply chain finance model,aiming at providing theoretical and practical guidance for China's commercial banks to develop online supply chain financial services.Based on the analysis of the development of traditional supply chain finance,the evolution of supply chain finance theory and the analysis of development opportunity,this paper expounds the definition and inventory of supply chain finance Class,prepaid and receivable three categories of basic products operating mode,but also describes the supply chain finance version 2.0 how to make commercial banks on the supply chain management more refined.Secondly,it elaborates the current situation and problems of M online supply chain finance development.Thirdly,this paper introduces the overall innovation of online supply chain financial business with "M Bank" as an example.On the basis of this platform,this paper introduces the whole process of online supply chain finance,Commodity trading market as the representative of the inventory line on the supply chain financial products,focusing on the "electronic warehouse receipts pledge financing" business model.Finally,this paper analyzes the risk factors of traditional supply chain finance from three dimensions: exogenous risk,endogenous risk and subjective risk of supply chain.In view of the unique risk factors of online supply chain financial business,this paper puts forward the risk factors for online supply chain finance,while M bank should carry out online supply chain financial business at the same time,should be based on "data as thecore" management ideas Control the potential risks of online supply chain financial business,and innovate risk management ideas.For the potential credit risk,operational risk,market risk and legal risk in online supply chain finance,it should follow the development of Internet finance and adopt innovative means and methods to guard against risks.