Study On The Strategy Of Shareholding Commercial Bank For Supply-chain Finance

At present the primary joint-stock commercial banks have listed in the strategicdevelopment issue how to support the development of SMEs, and solve the problem offinancing difficulties. Some banks have launched the "supply chain financial" products. Theseproducts closely rely on enterprise supply chain of upstream and downstream enterprises,form characteristics of combination of goods flow, cash flow and information flow, provideSMEs with low cos and high efficiency financing on the basis of low risk for banks. So in thepaper, it is to put forward the reasonable service mechanism of supply chain finance in orderto alleviate the financing difficulties of SMEs, using the related theory of supply chainmanagement and combined the present situation and characteristics of joint-stock banks andSMEs.Theoretical basis of supply chain and supply chain finance. It is a cross system of supplychain management and SMEs financing on the study of SMEs financing. So this researchinvolves supply chain management, finance, information economics and other related theories.On the basis of using the information economics, it studies the relationship between supplychain management and bank financing, and analyses theoretically and actually SMEsfinancing.Analysis present stituation of financing of SMEs. It overalls and analyses the financingenvironment of SMEs by survey results, including financing purpose and financing way, andstudys the underlying reasons of financing difficulties. Using relevant cases to dissect theproblem of the financing difficulties of SMEs.Analysis of supply chain finance of Joint-stock commercial bank. Firstly, it analyses thevalue of suppy chain finance for joint-stock commercial banks; secondly, it studies thedevelopment status of supply chain finance of joint-stock commercial banks, and puts forwardthe deficiencies; finally through the case analysis of supply chain finance of joint-stock commercial banks, it analyses the achievement.Analysis of development and risk control of supply chain finance for Joint-stockcommercial Banks. Combined with the analysis of the SMEs and supply chain finance ofjoint-stock bank, put forward solutions to SMEs supply chain finance, including the basicframework, scheme of supply chain finance and control of financial risk. And analyse therelated risk control case, especially use the method of fuzzy comprehensive evaluation toestablish the risk control model and analyse the porcess.In the finality, the study of full paper is summarized.