| In recent years,supply chain finance has developed rapidly in China and has been widely used by commercial banks and e-commerce platforms.Supply chain finance can not only effectively solve the problem of financing difficulties for SMEs,but also cater to the general trend of the current financial services real economy.The future supply chain financial market will release huge potential and become a new field of banking transformation.Online supply chain finance has become a new model,solving the problems of low efficiency and difficult control of traditional supply chain finance.Bank-led is one of the domestic supply chain financial models,resulting in the earliest supply chain finance 1.0 model,followed by a series of innovations,supply chain finance experienced the offline "1 + N" era,online 2.0 era In the online3.0 era,the development of financial technology has now opened the 4.0 era.Based on the research of current online supply chain financial model,this paper studies the new model of online supply chain finance of “supply chain + financial technology”,and conducts the business model,product situation and risk control of China Merchants Bank“Smart Supply Chain 4.0”.Analyze and use case analysis to provide reference for China’s commercial banks to better develop supply chain finance business and provide a series of policy recommendations. |
