Research On The Financial Synergy Effect Of Commercial Bank Internet Supply Chain

As a financial innovation business,supply chain finance has developed rapidly in China,and has become an important field for banks and enterprises to expand their development space and enhance their competitiveness.Supply chain finance relies on the core enterprises in the supply chain and takes the real trade background as the premise to bundle the credit responsibility of SMEs in the supply chain,so as to effectively inject funds into the vulnerable enterprises upstream and downstream of the supply chain.With the development of supply chain operation globalization,Internet and information technology,the main role of Internet-based supply chain finance is not only to innovate financial means,but also to develop and improve the financial market environment,to better promote industrial development,especially to solve the financing difficulties of small and medium-sized enterprises or small and micro enterprises in industrial operation.However,the supply chain finance business includes many participants,such as commercial banks,core enterprises,logistics enterprises,financing enterprises and so on.There are many enterprises involved.These enterprises often play different roles in different supply chains,which are interdependent and dynamic.The whole financing mode is carried out in a complex network.These characteristics determine that the supply chain finance system is more important.Complex,and due to imperfect laws,imperfect credit system,asymmetric information and other reasons,the coordinated development of the domestic Internet supply chain financial system is still facing many obstacles.This paper analyses the synergistic development of Internet supply chain financial system from two perspectives of risk synergy and profit synergy.In terms of risk synergy,firstly,based on the analysis of the topological structure of the Internet supply chain financial system of commercial banks,the dissemination model of infectious diseases is introduced and the financial risk contagion model of the Internet supply chain of commercial banks is constructed.Secondly,through the analysis of equilibrium and stability of the model,the dissemination mechanism of risk in thesupply chain financial system is obtained.Based on the above research,the dissemination model of financial risk in Internet supply chain of commercial banks is simulated and analyzed,and the direction of commercial banks' management and control in risk synergy is obtained.In terms of revenue synergy,by introducing the system dynamics model,the system dynamics model based on the financing warehouse model,the system dynamics model based on the accounts receivable model and the system dynamics model based on the confirming warehouse model are constructed respectively.Then we analyze the profit synergy among the participants of supply chain finance from the aspects of pledge ratio,loan ratio and price change of commodity market.Finally,from the perspective of commercial banks,this paper gives relevant suggestions on the coordinated development of Internet supply chain finance in commercial banks from four aspects.