摘 要近十几年来我国的经济高速发展,在全球大环境经历环境下，企业之间的合作越来越多，企业与银行的合作也越来越多。在这样的经济全球化的环境下，传统银行业的生存也遇到了挑战，面临新的环境要如何扩大发展版图，增加新的利润点,是决策者在当下必须要考虑的现实问题。 随着经济大环境变化的发展“现代供应链”建设首次被提出,从目前经济数据的分析与发展情况来看，供应链金融将会成为我国以后经济发展的新重点。同处于一条供应链上的资金流、信息流以及第三方物流监管被供应链金融进行了整合。链上的参与主体都环环相扣，形成了一条高效的完整的闭环。对于商业银行来说供应链金融业务的开展不但能带来可观的利润,还打破商业银行长期以来传统的借贷模式。但是供应链金融的链条上起码有四方以上的参与者，参与者的增多导致了需要有形式多样的融资模式和繁杂的产品设计。商业银行只有对供应链金融风险进行有效防范和管理,才能在新的环境中得以成长与壮大。本文先提出了供应链金融及其运行模式，结合实例进行了介绍，其中以平安银行为例进行分析，最后阐述在商业银行主导下的供应链金融现阶段发展的问题，以及提出相对应的对策和建议。关键词：商业银行；供应链金融；平安银行；运作模式PAGE \* MERGEFORMATIAbstractOver the past decade, China's economy has developed rapidly. In such an economic globalization environment, the survival of the traditional banking industry has also encountered challenges. How to expand the development map and increase new profit points in the face of a new environment is a realistic problem that policy makers must consider in the moment. With the development of the economic environment, the "modern supply chain" construction was first proposed. From the analysis and development of current economic data, supply chain finance will become the new focus of China's future economic development. Supply chain finance integrates the capital flow, information flow and the third party logistics as supervision in the whole supply chain, and combines all the participants in the chain to form a complete closed lo...
