Study On Supply Chain Financial Services Of Commercial Bank

In recent years, with the trend of economic globalization and international division of labor of deepening, supply chain management mode gradually rise. At the same time, the competition between financial institutions increasingly fierce. In order to get ahead in the competition, commercial banks need to carry on the financial innovation and develop new business types. In this context, supply chain financial- this commercial banks for supply chain of innovative financial service model enterprise will come into being. Because it combine the services of commercial bank with the supply chain management of enterprise, it has become the bank and the enterprise expand the space for development and increase the competitiveness of an important field, and also provide new financing channels for the core enterprise and upstream and downstream businesses in the supply chain members.Although, the supply chain finance business fast development, and have a lot of room to rise. But the development of it in our country is still at an early stage, all the auxiliary facilities still is not sound, and there are still many defects and deficiencies. Therefore, in the current economy under the background of globalization, to research our country commercial bank supply chain finance business from the theoretical level, analyses the problems during the process of the operation and explore the future direction of the business and the reform measures. At the last, it will provides a new approach to innovation for the commercial banks in the development of supply chain financial business. It also has the very strong guidance meaning and practical value for the future development of the commercial banks and supply chain production of booming development.The article at first will introduce the typical types of the supply chain finance business mode and process, and try to use historical analysis, comparative analysis, analysis method to research the problem with the commercial Banks at present supply chain financial business development specific situation. Secondly it will select several typical commercial bank to analysis deeply about their supply chain financial products. Then points out the problem in the development of the existence, at last, put forward some improvement methods and Suggestions. In this paper the structure of the specific as follows:First, expound the background of the supply chain financial, define the concept of supply chain financial, introduce the mode and the operation process about accounts receivable mode, confirming warehouse, and financing warehouse. Second, analyses the macro environment of our supply chain financial development, and evaluate the specific conditions of the business on the macro and micro aspects. Then the paper point out several problems which restricted the development of the supply chain financial such as law, supervision, concept, credit mode, information technology, and talents. At last, put forward some countermeasures and suggestions, and provides reference for the commercial bank to develop the supply chain finance business better in the future.At present there is still not a authoritative and unified concept about supply chain finance, so this paper analyses and summary several different concepts, from the commercial bank credit business angle, to define the concept supply chain financial. And hope to be able to enrich and perfect existing definition. In addition, the paper argues that in the supply chain finance business practice, because of the concept of fuzzy knowledge, lead to the dislocation phenomenon in the business. Then put forward that the financial regulators and the commercial banks should put strict limits on supply chain financial business admittance threshold, which can reduce the management risk.At the same time, it is hard to get the data and internal material of commercial bank in the writing, so the analysis of the problems lack of corresponding data support instructions and empirical analysis, and caused the paper is not strong persuasive of defeecs. Tha(?)remains to be completed gradually in the later study.