金融科技的发展推动了供应链金融的进一步发展，在此背景下，一些金融科 技公司主导的供应链金融已经成为中小企业获得贷款的一种相对新颖的融资渠 道，它们立足整个产业链，利用大型企业强确权的“强信用”供应链模式和核心 企业不主动介入、不主动配合的“强数据”的模式，以真实的贸易活动作为风险 评估标准，弥补了中小企业信息不对称的融资劣势。金融科技的运用，将银行或 者是金融机构给大型企业授信直接或间接的传导给小微企业，带动小微企业的融 资。目前金融科技在供应链金融业务的实践相对丰富，但相关的案例研究成果较 少。 本文选取L公司“金融科技平台”供应链金融模式作为研究对象，采用文献 研究、案例分析和比较分析等研究方法，从当前的情况出发，重点关注供应链金 融的全新定义，把金融科技和供应链金融相结合，采取知识和实操相结合的方法， 同时结合“L企业”对于供应链金融应用以及风险把控方面的做法展开探讨研究， 同时就这之中出现的问题给出恰当的观点与意见。 本文以金融科技时代背景，从供应链金融的主要概念和理论出发，结合当前 金融科技最新发展成果，以金融科技公司L公司为典型案例，分析其供应链金融 的风险控制及其存在的问题，并提出解决问题的对策，从而对整个行业供应链金 融的发展提出了相关建议。 本文分为七个章节，第一章是绪论部分；第二章为供应链金融和金融科技的 相关文献综述；第三章对相关概念和理论进行阐述；第四章结合理论研究对金融 科技背景下的供应链金融风险进行分析，主要就是说明金融科技在供应链金融风 险控制中的应用以及金融科技背景下供应链金融特有的风险，为后面的案例分析 奠定一个基础；第五章L公司供应链金融及其风险控制，先对案例公司及其金融 科技产品和服务进行了介绍，在此基础上，详细分析了L公司作为金融科技公司， 对供应链金融风险以及金融科技背景下的特有风险的控制，最后指出了L公司供 应链金融风险管理中的问题及对策；第六章供应链金融风险管理的建议，主要是 针对以金融科技为基础的供应链金融面临风险管理给出合理的建议；第七章对本 文进行总结以及启示。 关键词：供应链金融，金融科技，金融风险，风险控制 4 Researchonfinancialriskcontrolofsupplychain financeunderthebackgroundoffintech—Case studyofLcompany Abstract Thedevelopmentoffinancialscienceandtechnologyhaspromotedthefurther developmentofsupplychainfinance.Inthiscontext,thesupplychainfinanceledby somefinancialscienceandtechnologycompanieshasbecomearelativelynew financingchannelforsmallandmedium-sizedenterprisestoobtainloans.Basedon thewholeindustrialchain,theymakeuseofthe"strongcredit"supplychainmodeof large-scaleenterprisesandthecoreenterprisesdonotactivelyinterveneandcooperate The"strongdata"model,takingtherealtradeactivitiesastheriskassessment standard,makesupforthefinancingdisadvantageofSMEs'informationasymmetry. Theapplicationoffinancialscienceandtechnologywilldirectlyorindirectlytransmit thecreditgrantedbybanksorfinancialinstitutionstolargeenterprisestosmalland microenterprises,anddrivethefinancingofsmallandmicroenterprises.Atpresent, thepracticeoffinancialtechnologyinthesupplychainfinancialbusinessisrelatively rich,buttherelevantcasestudyresultsareless. ThispaperselectsLcompany's"financialscienceandtechnologyplatform" supplychainfinancialmodelastheresearchobject,adoptsliteratureresearch,case analysis,comparativeanalysisandotherresearchmethods,startingfromthecurrent situation,focusingonthenewdefinitionofsupplychainfinance,combiningfinancial scienceandtechnologywithsupplychainfinance,adoptingthemethodofcombining knowledgeandpractice,andcombining"lenterprise"withsupplychainfinanceThis paperdiscussestheapplicationofchainfinanceandthemethodsofriskcontrol,and atthesametime,givestheappropriateviewsandopinionsontheproblems. Basedonthebackgroundoffinancialscienceandtechnologyera,startingfrom themainconceptsandtheoriesofsupplychainfinance,combinedwiththelatest developmentachievementsoffinancialscienceandtechnology,thispapertakesL companyasatypicalcase,analyzestheriskcontrolandexistingproblemsofits supplychainfinance,andputsforwardcountermeasurestosolvetheproblems,soas toputforwardrelevantsuggestionsforthedevelopmentofsupplychainfinanceinthe wholeindustry. Thispaperisdividedintosevenchapters,thefirstchapteristheintroduction;the secondchapteristheliteraturereviewofsupplychainfinanceandfinancialscience 5 andtechnology;thethirdchapterdescribestherelatedconceptsandtheories;the fourthchapteranalyzesthesupplychainfinancialriskunderthebackgroundof financialscienceandtechnology,mainlyexplainstheapplicationoffinancialscience andtechnologyinsupplychainfinancialriskcontrolandfinancialscienceand technologyUnderthebackground,theuniquerisksofsupplychainfinancelaya foundationforthefollowingcaseanalysis;ChapterFive:Lcompany'ssupplychain financeanditsriskcontrol.Firstly,itintroducesthecasecompanyanditsfinancial technologyproductsandservices.Onthisbasis,itanalyzesindetailthecontrolofL company'ssupplychainfinancialrisksanditsuniquerisksunderthebackgroundof financialtechnologyasafinancialtechnologycompanyFinally,thepaperpointsout theproblemsandCountermeasuresinLcompany'ssupplychainfinancialrisk management;chaptersixgivesreasonablesuggestionsforthesupplychainfinancial riskmanagementbasedonfinancialscienceandtechnology;ChapterSeven summarizesandenlightensthispaper. Keywords：supplychainfinance，fintech，financialrisk，risk control 6 目录 摘要............................................................................................................................3 Abstract..........................................................................................................................4 第一章绪论..................................................................................................................1 1.1研究背景和研究意义......................................................................................1 1.1.1研究背景................................................................................................1 1.1.2研究意义................................................................................................2 1.2研究思路和方法..............................................................................................3 1.2.1研究思路................................................................................................3 1.2.2研究方法................................................................................................4 1.3可能的创新点..................................................................................................5 第二章文献综述..........................................................................................................6 2.1供应链金融研究..............................................................................................6 2.2供应链金融风险研究......................................................................................7 2.2.1供应链金融风险的识别........................................................................7 2.2.2供应链金融风险的评价........................................................................8 2.2.3供应链金融风险的控制........................................................................8 2.3金融科技背景下供应链金融的研究..............................................................8 2.4研究评述........................................................................................................10 第三章相关概念及理论基础....................................................................................12 3.1相关概念........................................................................................................12 3.1.1金融科技的内涵及特征......................................................................12 3.1.2供应链金融的内涵、特征及其商业模式..........................................13 3.1.3金融风险及风险控制..........................................................................19 3.1.4供应链金融的主要风险及其特征......................................................19 3.2相关理论基础................................................................................................21 3.2.1供应链金融的理论基础......................................................................21 3.2.2供应链金融风险管理理论..................................................................22 3.2.3供应链风险