The Research Of Electronic-supply Chain Finance Service Mode Of Chinese Commercial Banks

In the economic globalization process, the number of international financial business is constantly increasing; division of production mode is changing. Now sales of the simple model has been transformed into a plurality of the enterprise of professional division of labor, forming a clear industry supply chain; at the same time, with the help of the electronic commerce technology development, banks can develop innovative financial services better. These changes of market call for adjustments of commercial bank of developing innovative financial service and business mode. The so-called " electronic supply chain finance ", refers to commercial banks by means of electronic service platform, through a series of electronic clearing and financing products, closely linked to the core enterprise in supply chain and its upstream and downstream enterprises in the supply chain, a new settlement and financing service mode. Electronic supply chain finance can effectively shorten the response speed of banks and enterprises in the supply chain information flow and capital flow in the process, improving the financial transparency and information completeness, reducing the burden and cost of financial management, improving financial operation and control. It is a direction that commercial bank should develop in modern enterprises of financial services.In this paper, on the basis of a comprehensive study of several key commercial banks’electronic supply chain financial conditions and business models, conducting in-depth analysis, analyzing the financial services status quo of China’s commercial banks. The aim is to find problems of electronic supply chain. Electronic supply chain finance has broad prospects for commercial banks in China and the international business development process. This paper provides policy recommendations for the development of the electronics supply chain financial services in China’s commercial banks. It’s better to be able to help the domestic commercial banking business of scale, to seek own development, based on the current economic environment.