Study On The Development Of Supply Chain Financial Business Of Rural Commercial Banks

In recent years,with the rapid promotion and expansion of Internet finance,the competition among commercial banks has become increasingly fierce.In order to establish a firm foothold in the fierce competition,various commercial banks continue to increase their product research and development efforts.To improve the innovation ability of products,the supply chain finance business has been launched to meet the new market demand.As a new type of credit model,supply chain finance has higher economic value and social practical significance than the traditional credit model.The development of supply chain finance business can not only change the long-term single interest margin profit model of commercial banks.It can bring profit growth,and can effectively improve the risk control ability of commercial banks.Force,it determines whether commercial banks can stand out in the tide of Internet finance.However,rural commercial banks as regional small and medium-sized financial institutions,due to a variety of historical and practical reasons in the development of supply chain financial business started late,the system is not sound,so,This paper studies the development of supply chain financial business of rural commercial banks,puts forward some development strategies and suggestions,and provides reference for the future development of rural commercial banks,which has certain theoretical significance and practical value.First of all,this paper introduces and explains the supply chain finance from the theoretical point of view,focusing on the concept,characteristics,developmentelements,development model and development process of supply chain finance.Secondly,combined with specific cases,this paper expounds the current situation of the development of the supply chain financial business of Hangzhou United Rural Commercial Bank,and puts forward the common problems and potential risks in the development of the supply chain financial business of the rural commercial banks at the present stage.Thirdly,through the analysis of the causes of the problems,the root causes of the problems are found;finally,combined with the theoretical research,and on the basis of drawing lessons from the practices of other commercial banks,through the exploration in the process of actual business development In this paper,some suggestions and countermeasures for the development of supply chain financial business of rural commercial banks are put forward.The possible innovation of this paper is that,in addition to studying the countermeasures of commercial banks in the development of supply chain financial business,the comparative analysis method and case analysis method are used and combined with the actual product cases of Hangzhou United Rural Commercial Bank.This paper analyzes on the problems of rural commercial banks in their business development,and puts forward some countermeasures and suggestions for the development of supply chain finance of rural commercial banks,which has certain guiding significance and practical value for the development of supply chain finance of rural commercial banks.