摘要近年来，供应链金融服务已成为国家和社会各界所关心的焦点，也成为商业银行探索和发展对公银行业务的重点。目前，企业正运用中小企业供应链互联网金融信息系统与计算机网络的完全融入，把物流配送、互联网信息化与资产流完全融入在一起，给供应商和中小企业的投融资难题带来了更有效的解决办法。伴随着“一带一路”战略的深入，我国中小型企业参与全球市场竞争已变成大势所趋。近年来，供应链金融服务成为各国和社会关心的问题，也是我们研究和开发对公金融服务的重点课题。在这种情况下，传统的供应链金融面临着巨大挑战。商业银行已不再是供应链融资的唯一参与者，京东、阿里、顺丰等企业也加入其中。在这种情况下，金融机构要把握住网络技术供应链金融发展的机遇，积极主动开展商业运营模式的创新，推进大数据技术运用，更好地引导信贷资金支持上下游中小企业，实现产业链的发展，真正为实体经济的发展做出贡献。本文以商业银行为视角，对在互联网发展背景下，商业银行如何创新供应链金融业务进行了较为系统深入的研究。文章在阐述供应链金融理论的基础上，梳理了供应链金融的发展历程；重点分析了银行主导下传统供应链金融的运营模式及其存在的问题；最后，探讨了互联网背景下商业银行供应链金融创新模式的构建问题。本文的研究对于促进我国商业银行供应链金融业务的创新发展具有一定的借鉴意义。关键词:互联网；供应链金融；商业银行；创新模式ResearchontheInnovationModelofSupplyChainFinanceofCommercialBanksundertheBackgroundofInternetFinanceAbstractInrecentyears,supplychainfinancialserviceshavebecomethefocusofthestateandallwalksoflife,andalsothefocusofcommercialbankstoexploreanddevelopcorporatebankingbusiness.Atpresent,enterprisesarefullyintegratingtheInternetfinancialinformationsystemofthesupplychainofsmallandmedium-sizedenterpriseswiththecomputernetwork,integratinglogisticsdistribution,Internetinformatizationandassetflow,whichbringsmoreeffectivesolutionstotheinvestmentandfinancingproblemsofsuppliersandsmallandmedium-sizedenterprises.Withthedeepeningofthe"theBeltandRoad"strategy,ithasbecomeageneraltrendforChina'ssmallandmedium-sizedenterprisestoparticipateinglobalmarketcompetition.Inrecentyears,supplychainfinancialserviceshavebecomeaconcernofallcountriesandsociety,andalsoakeytopicforustoresearchanddevelopcorporatefinancialservices.Inthiscase,traditionalsupplychainfinanceisfacinggreatchallenges.Commercialbanksarenolongertheonlyparticipantsinsupplychainfinancing,andjd.com,Alibaba,SFandotheronlineenterpriseshavealsojoinedin.Undersuchcircumstances,financialinstitutionsshouldseizetheopportunityofthedevelopmentofnetworktechnologysupplychainfinance,activelycarryoutinnovationofbusinessoperationmode,promotetheapplicationofbigdatatechnology,betterguidecreditfundstosupportupstreamanddownstreamsmallandmedium-sizedenterprises,achievethedevelopmentofindustrialchain,andreallymakecontributionstothedevelopmentoftherealeconomy.Fromtheperspectiveofcommercialbanks,thispapermakesasystematicandin-depthstudyonhowcommercialbanksinnovatesupplychainfinancialservicesunderthebackgroundofInternetdevelopment.Onthebasisofexpoundingthetheoryofsupplychainfinance,thispapercombsthedevelopmentofsupplychainfinance;Theoperationmodeandexistingproblemsoftraditionalsupplychainfinanceundertheguidanceofbanksareemphaticallyanalyzed;Finally,thepaperdiscussestheconstructionofthesupplychainfinancialinnovationmodelofcommercialbanksinthecontextoftheInternet.TheresearchinthispaperhascertainreferencesignificanceforpromotingtheinnovativedevelopmentofthesupplychainfinancialbusinessofcommercialbanksinChina.Keywords:In...
