Research On The Financial Innovation Model Of Commercial Banks' Supply Chain Under The Background Of The Internet

Supply chain finance in recent years has become a hot spot in the state and society.At the same time,it has once again become the key area of domestic commercial Banks' innovative business development.The current supply chain finance business and the Internet organic combination,and the three streams of logistics,information flow and capital flow are integrated to provide new solutions to support sme financing in the supply chain.Supply chain finance is no longer solely driven by commercial Banks,internet companies such as jd.com,alibaba and sf express are also starting to get involved.In this situation,banks must seize the development opportunity of Internet supply chain finance,innovation model,deepen the application of Internet technology.Let the credit fund better support the upstream and downstream small and medium-sized enterprises,achieve business chain development,truly contribute to the development of the real economy.This paper mainly USES three analytical methods: literature research,system analysis and case analysis.Firstly,through literature research,this paper expounds the significance of the topic selection,the background of the topic selection,the research status in domestic and abroad,and determines the research and methods of the paper,and put forward the research innovation of this paper.The second is the overview of supply chain finance,which introduces the relevant theories of supply chain finance,introduces the diversified supply chain finance model driven by Internet based on systematic analysis,and points out the impact and competition faced by the traditional supply chain model of commercial Banks.The third is to introduce the innovative model of the combination of Internet technology and supply chain finance launched by commercial Banks in recent years.It mainly introduces the specific practices of Bank of China,Ping an bank and China minsheng bank(hereinafter referred to as MINSHENG bank),and focuses on the analysis and research of the innovative model of supply chain finance of MINSHENG bank.Through comparative analysis,the problems and deficiencies in the mode innovation of commercial banks and the advanced experience of MINSHENG bank in the mode innovation of supply chain finance are found out.Finally,based on the analysis of the above examples,a series of Suggestions are summarized from the aspects of business strategy,product orientation,internal control and risk management for thenext step of the supply chain finance model innovation of commercial Banks,hoping to help Chinese commercial Banks better integrate supply chain finance and the Internet,further enhance the financial support for the real economy,and improve the financing environment of enterprises.