进入 WTO 以后，商业银行间的竞争不仅是国内的业务，国际间的业务竞争也
异常激烈，商业银行一直在寻求新的利润增长点，一直在探索扩大中小企业融资
规模与服务的道路。本文以此为切入点，主要以国内供应链金融为背景，对国际
供应链金融的实践案例进行分析，分别从国际供应链金融运行的条件、运行的模
式和流程以及风险控制三个方面总结出国际供应链金融的理论框架。国际供应链
金融，即以国际产业链为基础，以核心企业为中心，本文分别从业务的角度和组
织的两个角度为核心企业及其上下游企业提供包含各种产品组合的金融服务。该
项金融业务大大的降低了金融机构的资金风险，拓宽了业务，提高了利润增长点，
增强了其创新能力，因此，对国内尝试拓宽业务的银行来说，是一条非常好的借
鉴之路。此外，国际供应链金融很好的解决了国际贸易下中小企业的融资困难，
对提升我国经济的竞争力和所在供应链的整体实力都有很大的作用。
本文开篇介绍供应链金融的涵义及其优势，以国内供应链金融的现状为基
础，分析国际贸易中供应链上各主体开展供应链金融业务的动因，阐述了开展国
际供应链金融业务需要具备的平台、政策和法律环境的因素，重点研究供应链金
融在国际贸易应用中的模式和流程，并归纳了应用国际供应链金融过程中遇到的
风险和控制建议，在理论分析基础上，实践联系理论，提供了三个案例，并分别
从业务角度和组织角度进行了分析，最后，本文对更好的开展国际供应链金融业
务提供了建议，给出了一个创新性的信用评估系统。
关键词：
国际供应链金融，运行基理，运行模式，风险防控III
Abstract
In recent years, along with the rapid development of global economic integration,
supply chain finance is a financial business in commercial banks in order to meet the
enterprise supply chain management. They want to solve the credit financing
problems for small and medium-sized enterprise. So the enterprises can make better
operational, capital operation and banks can get the new profit growth point and the
third party-logistics enterprise can seek more business opportunities. Thus the
commercial banks、the supply chain and logistics enterprises can achieve the tripartite
win-win situation.
After joining the WTO, the competition among commercial banks is not only
among the domestic business, international business competition is also fierce.
Commercial bank has been seeking new profit growth point and exploring to expand
the scale of small and medium-sized enterprise and the road of services. As this
paper’s breakthrough point, this paper mainly sees the domestic supply chain finance
as the background and analyzes the practice case of international supply chain finance.
This paper summarizes the theoretical framework respectively from the international
supply chain finance running conditions, operational patterns and risk control this
three aspects.
International supply chain finance based on the international industrial chain, is
centering on the core enterprise. This paper provides financial services that contain
various products for the core enterprise and its upstream and downstream enterprises.
The financial services greatly reduces the risk of financial institutions funds, broadens
the business, enhances the profit growth point and enhances the innovation ability.
Therefore, for the domestic banks who want to try to broaden the business, this is a
very good reference. In addition, international supply chain finance can solve the
financing difficulty for small and medium-sized enterprises under the international
trade very well and it can make good effect for the promotion of the competitiveness
of the economy in China and the overall strength of the supply chain.
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