中小企业在国民经济和社会发展发挥着重要作用，特别在扩大就业面、改善 民生、促进就业创业等方面成绩突出，在稳定经济增长、促进社会改革、调整社 会结构、惠及民生、防风险发挥着重要作用。同时，随着国内外市场环境的变化， 中小企业融资难融资贵等问题日益突出。商业银行黄金十年已然结束，高速发展 之后商业银行急需对传统的中小企业信贷业务进行改革和创新，推动商业银行找 到新的业务增长点，如何运用金融创新破解中小企业融资问题，是银行金融机构 的重要工作。如何抓住机遇、应对挑战，在供应链金融业务中不断创新，成为商 业银行解决中小企业融资问题必须考虑的重要问题。 本文采用案例分析的研究方法对供应链金融环境下商业银行中小企业信贷业 务面临问题及创新进行深入研究。主要内容为：第一部为绪论，介绍本文的研究 意义和目的，并指出本文的创新点等；第二部分介绍相关理论及文献综述，通过 收集和归纳关于信息不对称和供应链金融的理论，探讨供应链融资模式。第三部 介绍供应链金融对商业银行总体影响，以及对商业银行的机遇及挑战，分析对商 业银行中小企业传统信贷业务的影响。第四部分主要是供应链金融对 SQ 分行信贷 业务的变化及其原因分析。第五部分是 SQ 分行供应链金融对信贷业务的创新实践， 结合具体授信客户设计出电子商票供应链融资方案、流程、分析不足，并对方案 的成果进行展示。第六部分主要从银行、金融监管等方面提出银行应制定专属供 应链方案、建立供应链数据库、加快科技转型，监管部门要加强监管等对策。 本文创新之处在于从银行视角，设计电子商业汇票供应链金融方案，研究供 应链金融创新对商业银行中小企业信贷业务的影响。该供应链金融模式简单易行 操作性强，且得到核心企业、中小企业认可，对银行供应链金融和中小企业发展 都具有一定的指导意义。 关键词：供应链金融；银行；中小企业；核心企业湖 北 工 业 大 学 硕 士 学 位 论 文 II Abstract Small and medium-sized enterprises are main forces in Chinese economic and social development. They are playing important roles in creating more jobs, improving people's livelihood, and promoting entrepreneurship and innovation, as well as ensuring steady growth, promoting reform, adjusting the economic structure, improving people's lives, and preventing risks. At the same time, due to the changes in the domestic and foreign market, it is obvious to see small and medium-sized enterprises facing difficult financing expensive problems. The golden decade of commercial banks has come to the end. After the rapid development, commercial banks need to reform and innovate the traditional credit business of small and medium-sized enterprises urgently, so as to promote commercial banks to find new business growth areas. How to use financial innovation to solve the financing problems of small and medium-sized enterprises is an important task for banks and financial institutions. How to seize the opportunity, meet the challenge, the supply chain finance business innovation, has become an important issue for commercial Banks. It must be taken into consideration that how to solve the financing problem of small and medium-sized enterprises. The essay analyzes the method to conduct an in-depth study on the problems and innovations faced by credit service in the context of supply chain finance. The main contents are as follows: the first part is the introduction, focusing on the significance of research and the purpose of this essay, and pointing out the innovation points of this paper. The second part clarifies relevant theories and carries on the literature review. It discusses the supply chain financing mode by collecting and summarizing theories about information asymmetry and supply chain finance. The third part analyzes the overall impact of supply chain finance on commercial Banks, as well as the opportunities and challenges for commercial Banks, as well as the impact on the traditional credit business. The fourth part is the supply chain finance to the SQ branch credit business changes and the reason analysis. The fifth part is the innovation practice of SQ Branch supply chain finance to credit business, Combining with specific credit granting customers, it designs the financing scheme, process and analysis deficiencies of e-commerce invoice supply chain, and displays the results of the scheme.In the sixth part, the author puts forward that Banks should develop exclusive supply chain plan, establish supply chain database, accelerate technological transformation, and supervisory department should strengthen supervision. The innovation of this essay lies in the design of commercial bill supply chain finance scheme from the perspective of Banks, and the research on the influence of supply chain finance innovation on the credit business of small and medium-sized enterprises of commercial Banks. This supply chain finance model is highly operable, and has been recognized by core enterprises and small and medium-sized enterprises. It is certain that it will be of great significance for the development of bank supply chain finance and small and medium-sized enterprises. Key words：supply chain finance; Banks; Small and medium-sized enterprises; core enterprise湖 北 工 业 大 学 硕 士 学 位 论 文 III 目 录 摘要......................I Abstract.......................II 第 1 章 引言...............1 1.1 研究背景......1 1.2 研究的目的及意义.....................2 1.2.1 研究目的..........................2 1.2.2 研究意义..........................2 1.3 研究的方法及内容.....................3 1.3.1 研究方法..........................3 1.3.2 研究内容..........................3 1.4 本文的创新点.............................4 第 2 章 理论基础与文献综述..................5 2.1 理论基础......5 2.1.1 信息不对称理论..............5 2.1.2 供应链金融理论..............6 2.2 国内外文献评述.........................7 2.2.1 国内文献综述..................7 2.2.2 国外文献综述..................8 2.2.3 评价...9 第 3 章 供应链金融对中小企业信贷业务影响..................10 3.1 供应链金融对商业银行的机遇与挑战.................10 3.1.1 供应链金融对商业银行的总体影响..........10 3.1.2 供应链金融给商业银行带来的机遇..........10 3.1.3 供应链金融给商业银行带来的挑战.......... 11 3.2 供应链金融对商业银行中小企业传统信贷业务影响........................13 3.2.1 客户对银行直接授信需求越来越少..........13 3.2.2 对银行业务控制过程提出了挑战..............14 3.2.3 核心企业的信用传递能力不足..................14 第 4 章 供应链金融对 SQ 分行信贷业务的变化及其原因分析......................15湖 北 工 业 大 学 硕 士 学 位 论 文 IV 4.1 交通银行 SQ 分行发展概况... 15 4.1.1 SQ 分行中小企业信贷业务现状.................16 4.2 供应链金融对 SQ 分行中小企业信贷业务变化趋势.........................17 4.2.1 供应链金融对 SQ 分行中小企业信贷业务的积极变化..........17 4.2.2 供应链金融对 SQ 分行中小企业信贷业务的消极变化..........18 4.2.3 SQ 分行早期中小企业贷款业务评价.........19 4.3 供应链金融对 SQ 分行中小企业信贷业务影响的原因分析.............20 4.3.1 银行指标及监管要求... 20 4.3.2 核心企业综合服务需求增加...................... 20 4.3.3 票据交易所的成立为票据供应链提供平台基础.....................20 4.3.4 中小企业融资之路艰难.............................. 21 第 5 章 SQ 分行供应链金融对信贷业务的创新实践........22 5.1 供应链金融模式背景介绍...... 22 5.2 SQ 分行电子票据供应链金融的案例分析............23 5.2.1 核心企业基本情况....... 23 5.2.2 上游中小企业基本情况.............................. 23 5.2.3 SQ 分行的授信方案...... 24 5.2.4 供应链融资具体操作... 25 5.2.5 电票供应链金融模式分析.......................... 26 5.3 SQ 分行供应链金融的案例结论............................28 5.3.1 提高核心企业资金利用率.......................... 28 5.3.2 借款人不需提供抵押物抵押...................... 29 5.3.3 审贷高效化、专业化、信息化..................29 第 6 章 相关建议与对策........................30 6.1 银行角度....30 6.1.1 合理制定供应链融资方案.......................... 30 6.1.2 建立和完善中小企业信息库...................... 30 6.1.3 加快商业银行科技转型.............................. 31 6.2 金融监管部门角度...................31 6.2.1 加强核实监督力度....... 31 6.2.2 加强监管指挥棒作用... 32 6.2.3 不断完善监管管理办法.............................. 32 第 7 章 研究结论与展望........................33湖 北 工 业 大 学 硕 士 学 位 论 文 V 7.1 研究结论....33 7.2 研究不足及展望................