内容摘要：随着市场竞争的加剧以及产业经济的发展,现代企业之间的竞争实质上是供应链之间的竞争。在“产——供——销”供应链上不同节点的企业为降低融资成本,增加销售量,提高市场竞争力,对供应链融资的需求也越来越迫切。我国商业银行顺应形势积极推进供应链融资服务,供应链融资服务是银行专门针对产业供应链设计的,基于供应链核心企业的金融服务解决方案,它一方面优化银行业务结构、改善银行盈利模式、提升银行竞争力,另一方面顺畅企业资金流、增强供应链整体竞争力。关键词：供应链管理贸易融资风险控制Abstract：Withtherisingcompetitionofmarketandthedevelopmentofindustryeconomy,moderncompetitionbetweenenterprisesisinessenceafightinthe“SupplyChain”.Inordertoreducethefinancingcost,increasesalesandthemarketcompetitivepower,enterprisesareeagerforsupplychainfinance.Ourcommercialbanksactivelypromotesupplychainfinancingservices,Meanwhile,”supplychainfinancing“serviceisdesignedbyindustrialbank,basedonthecoreenterprisesupplychainoffinancialservicessolution,ontheonehand,bankcanoptimizebusinessstructure,andimprovebankprofitmodelcompetitivenessofthebank.Thelastbutnottheleast,bankcanincreasecashflowsmoothlyandpromotesupplychainoverallcompetitiveness.Keywords:SupplyChainManagementTradeFinancingRiskControl目录一、关于供应链融资的相关概念的定义和介绍...............................................................3（一）供应链定义和供应链管理定义..........................................................................3（二）贸易融资的定义.....................................................................................................4（三）供应链融资的定义................................................................................................5二、供应链融资的特点.............................................................................................................5（一）依靠核心企业优良的信用状况..........................................................................5（二）改变了传统融资担保物的形式，实现了担保方式的创新........................6（三）结构化的产业组织模式.......................................................................................6三、供应链融资产品按承担风险主体不同的分类...........................................................7（一）核心且承担实质风险责任的供应链融资.......................................................7（二）以核心企业的配套企业为责任主体的供应链融资.....................................7（三）特定专业市场供应链融资...................................................................................8四、我国各大商业银行现有的供应链融资产品...............................................................9（一）应收账款类供应链融资产品..............................................................................9（二）预付账款类供应链融资产品..............................................................................9（三）物流服务类供应链融资产品..............................................................................9（四）电子业务类供应链融资产品............................................................................10五、供应链融资业务开展中的制约因素...........................................................................10(一)经营意识的制约.........................................................................................................10(二)风险控制政策的制约..............................................................................
