Research On Commercial Bank Supply Chain Financing Accounts Receivable Financing Models And Risk Management Under The Background Of Internet

With the promotion of the "Internet+" initiative,the Internet and finance have integrated with each other,and Internet technology has continuously penetrated the traditional financial industry.Commercial banks use big data,cloud computing and other Internet technologies to actively promote digital transformation and carry out network supply chain finance business.In 2020,eight ministries and commissions jointly issued the Opinions on Standardizing the Development of Supply Chain Finance and Supporting the Stable Cycle and Optimization and Upgrading of Supply Chain Industry Chain.The Opinions encourage core enterprises and financial institutions to provide convenience,reduce costs and improve financing efficiency for receivables financing of small and medium-sized enterprises through service platforms.This shows that at this stage,the state attaches great importance to supply chain finance,and vigorously supports the real economy and the development of small,medium and micro enterprises.At the same time,commercial banks,as major financial institutions,are facing fierce competition from their peers and hope to gain new growth points through innovative business models in supply chain finance.There are many parties involved in the supply chain finance business of commercial banks,which requires the collaboration of many parties,different from the traditional credit business,which means that commercial banks need to establish a perfect risk management system when developing the innovative business and do a good job in risk prevention.The author has been engaged in corporate business-related work in state-owned banks for nearly four years.Since 2018,with the introduction of the financial inclusion strategy,the financing and lending business of small and medium-sized enterprises has become a top priority,but at the same time,the credit status and business conditions of small and medium-sized enterprises themselves have caused commercial banks to face risks in lending.Supply chain finance combines finance and industrial chain,and this deep integration mode is different from the previous single finance paradigm,which has both the explosive power of finance and the lasting power of industry.Under supply chain finance,on the one hand,commercial banks use core enterprises to increase credit for MSMEs and effectively improve the financing efficiency of MSMEs.On the other hand,supply chain finance can bring the commercial banks the new batch of customers and transaction funds deposited in the whole chain.This paper firstly studies the theory of supply chain finance and receivables financing model of supply chain finance and compares its development history.Then this paper takes BC Bank’s "e ICT" product as the specific research object,introduces the definition of the product,the participants,the operation process and the characteristics of the product,then analyzes the application of the product with actual cases,and the necessity of developing network supply chain products for commercial banks,and conducts risk management research on the whole process,and finally draws relevant conclusions.Conclusion,and extension,to think about the future development of network supply chain finance and make suggestions.It is hoped that it will help China’s commercial banks to better innovate the supply chain finance model in the context of the rapid development of Internet technology,improve the financing efficiency of small and medium-sized enterprises,reduce financing costs,and achieve a win-win situation for both banks and enterprises.