Research On The Supply Chain Finance Business Of Commercial Banks

For a long time,the difficulty of financing exists for SME.The innovation of supply chain finance is an important means to solve the problem.The demand of supply chain finance can reach 10 to 20 trillion yuan.The commercial banking system,which is dominated by state-owned banks,is the cornerstone of the stability of the national financial system,and the main force to promote the development of supply chain finance and to support the development of the real economy.With the deepening of interest rate marketization,the traditional commercial banks' supply chain finance business faces challenges and opportunities.This paper adopts the case study method,pays attention to the qualitative an d quantitative analysis of the data,on the basis of studying the market competitiveness and the business development dilemma of the supply chain finance business of the commercial bank.The paper puts forward some suggestions on the transformation and upgrading of the commercial bank's supply chain finance.This paper first studies the relevant theories and market practices of supply chain finance.Secondly,the paper investigates the supply chain finance of commercial banks and other non-bank financial institutions through the differentiation analysis.Thirdly,the innovation cases based on the application of the supply chain finance platform and blockchain technology are studied,and the direction of the innovation of the supply chain finance is put forward.Fourth,analysis of the development of commercial banks supply chain financial business difficulties and business limitations;Finally,it is concluded that the commercial banks should combine the Fin-tech to build an open supply chain financial platfo rm,integrating the "four flows in one" resources of supply chain,applying the conclusions of product innovation of supply chain finance.