Research On Financial Model Of Commercial Bank Supply Chain Under FinTech

In recent years,the loan demand of small and medium-sized enterprises continues to exist,but the bank loan approval index continues to be low,indicating that the bank loan approval conditions continue to tighten,and the supply-side capacity limits the size of the supply chain financial market.At present,the innovation of sme financing business model has reached a bottleneck.Facing this situation,the application of science and technology will become the key point of business growth.With the rise and development of science and technology,financial institutions have increased their investment in fintech year by year and continuously upgraded their technological capabilities.Due to a variety of characteristics of the technique of block chain pain points of the financial sector have curative effect,and has a certain block chain technology in financial ground foundation,combined with block chain policy encourages landing key industries is the financial industry,along with the collaborative development of the technology and financial,chain block technology become a focus in the study of various financial institutions compete to explore objects.Among the numerous scenarios of the combination of blockchain technology and finance,one of the important scenarios is supply chain finance.In the context of the country's promotion of fintech development and financing for small and medium-sized enterprises,Banks will be deeply involved in the research and application of supply chain finance and blockchain technology scenarios in the future due to their significant capital advantages and the largest investment in blockchain technology.In this paper,ping an bank is selected as the research subject to analyze the model of supply chain finance dominated by commercial Banks represented by ping an bank.On the basis of literature research and data collection,transaction cost theory,self-compensating trade theory and platform theory are used to analyze the evolution and development of ping an bank's supply chain finance model,the dilemma of supply chain finance business development at the present stage and the reasons for the asymmetry of business development.Secondly,in the context of fintech,technical analysis,pattern analysis,advantage analysis,positioning analysis and effect analysis were carried out on the SAS platform,a product of the combination of supply chain finance and block chain technology of ping an bank.Then,the advantages and disadvantages of the supply chain finance model under the leadership of commercial Banks are analyzed by comparing the bank-dominated model with the non-bank-dominated model.Finally,based on the above analysis,Suggestions are put forward for the development of supply chain finance in commercial Banks and other enterprises.