在当前全球金融产业快速发展的环境下，国际国内市场上的企业在参与市场 竞争过程中都存在着从单一的金融服务需求向整体供应链金融服务需求转变的趋 势。这就使得各大商业银行的供应链金融业务得到快速增长。作为一种当前市场 上供应量需求颇大的新型银行金融业务种类，银行供应链金融业务也成为各大商 业银行纷纷抢占的市嘲高地”。银行供应链金融业务模式也就成为当前各大商 业银行进行金融业务创新的一种新举措。具体来说，银行供应链金融业务并不是 单一的一种银行业务，它是涉及整个企业供应链上下游的各个环节的信贷业务， 包括出口保税、境外物流、国际投资等各个业务环节。从商业银行金融业务体系 改革方面来说，积极推进供应链金融业务，对于改善银行的金融业务结构，尤其 是对信贷业务结构的完善更是起着非常重要促进作用，同时还能够通过增强与企 业的合作密切度来更好地提升银行的盈利水平。因此，加强对供应链金融业务模 式的探讨就成为当前商业银行金融业务创新体系中最关键的一项内容。 本文选取 J 银行为例，以从银行供应链金融的相关概念和理论着手，重点对当 前 J 银行供应链金融业务模式的发展情况进行探讨。能够看到 J 银行作为地区重 要的商业银行之一，它也是参与地方经济建设的重要力量，J 银行每年的信贷投资 数额水平也在不断增加，近些年来，J 银行也积极布局除了本省之外的其他地区的 金融业务产业，更是加强了对企业供应链金融业务的投入。但是，从目前 J 银行 供应链金融业务模式的发展状况来看，虽然也取得了一定的成绩，但是还是存在 一些问题的。因此，笔者结合当前一些优秀的银行供应链金融业务模式的发展经 验，对 J 银行的供应链金融业务模式在其发展过程中存在的诸多问题进行分析， 并且在此基础上提出完善 J 银行供应链金融业务模式的发展对策。 关键词：J 银行；供应链金融；风险管理；营销策略3 Abstract In the current environment of rapid development of global financial industry, enterprises in the international and domestic markets are facing the trend of changing from a single financial service demand to an overall supply chain financial service demand in the process of participating in market competition. This makes the supply chain finance business of the major commercial Banks grow rapidly. As a new type of banking financial business with a large demand for supply in the current market, the banking supply chain financial business has also become the "highland" of the market occupied by major commercial Banks. The supply chain finance business model of Banks has become a new measure for the major commercial Banks to carry out financial business innovation. To be specific, banking supply chain finance is not a single banking business, but a credit business involving all links of the upstream and downstream of the entire enterprise supply chain, including export bonded goods, overseas logistics, international investment and other business links. From the aspects of commercial bank financial business system reform, actively promote supply chain finance business, for improving the structure of the bank's financial business, especially for the improvement of the credit business structure but also plays a very important role in promoting, at the same time also to enhance the cooperation with enterprises closely to better promote the profitability of Banks. Therefore, strengthening the discussion of supply chain finance business model has become the most critical content in the current financial business innovation system of commercial Banks. Taking bank J as an example, this paper starts from the relevant concepts and theories of bank supply chain finance, and focuses on the discussion of the current development of bank J's supply chain finance business model. Can see J bank as an important one of the commercial Banks of region, it is also involved in the local economic construction important force, J bank credit investment level is also increasing the amount of each year, in recent years, J bank also positively layout in addition to the province in other parts of the financial services industry, but also to strengthen the investment in enterprise supply chain financing business. However, from the current development status of J bank's supply chain finance business model, although some achievements have been made, there are still some problems. Therefore, based on the current development experience of some excellent supply chain finance business models of Banks, the author analyzes the problems existing in the development process of the4 supply chain finance business model of bank J, and puts forward the development countermeasures to improve the supply chain finance business model of bank J on this basis. Specifically, the research content of this paper can be divided into the following aspects: the first part is the research background, significance, literature review, etc. The second part is about the concept and theory of supply finance. The third part takes bank J as an example to analyze the supply financial business model of bank J, specifically analyzing the development status of the supply chain financial business model of bank J. The fourth part is the analysis of the problems existing in the development process of the financial business model provided by J bank. The fifth part is the countermeasures and Suggestions for improving the supply financial business model of bank J. The sixth part is a conclusion. Key words: J bank; Supply chain finance; Risk management; The marketing strategy5 目 录 摘要...........................................................................................................................1 Abstract..............................................................................................................................3 第 1 章 绪论.....................................................................................................................1 1.1 选题背景.............................................................................................................1 1.2 选题目的及意义..................................................................................................1 1.3 研究方法和内容.................................................................................................2 1.3.1 研究方法...................................................................................................2 1.3.2 研究内容...................................................................................................2 1.4 国内外研究现状...............................................................................................3 1.4.1 国外研究....................................................................................................3 1.4.2 国内研究....................................................................................................4 1.5 论文框架.............................................................................................................5 1.6 创新与不足.........................................................................................................8 1.6.1 创新之处....................................................................................................8 1.6.2 不足之处....................................................................................................8 第 2 章 研究的理论基础.................................................................................................9 2.1 供应链金融理论..................................................................................................9 2.1.1 供应链金融的定义....................................................................................9 2.1.2 供应链金融的优势特点............................................................................9 2.1.3 供应链金融的业务模式.......................................................................... 11 2.2 相关理论基础...................................................................................................12 2.2.1 结构融资理论..........................................................................................12 2.2.2 供应链管理理论......................................................................................12 2.2.3 信息不对称理论.........................................................