中小企业作为企业生力军，在国家的发展过程中扮演了越来越重要的角色， 其地位可以用实际数据来直观说明，不管是国家税收、国民生产总值、技术创新、 城镇劳动就业、企业数量等方面，中小企业的总体表现都名列前茅，所以地位十 分重要。2019年四季度，中小企业发展指数反映出中小企业的运行情况凸显以下 特点：市场预期保持平稳、经营成本持续上升、资金状况依然偏紧。商业银行的 所有融资模式中，供应链金融作为新兴的一种，扮演了重要的一环。对于一些没 有融资优势的中小企业来说，供应链金融融资可以起到很大的帮助作用，对于商 业银行而言，也可以拓展新兴业务，实现利润的增长。作为一种新兴的融资模式， 供应链金融在商业银行的发展中发挥了重要功效，一方面可以发挥自身融资优势， 在激烈市场竞争中存活，另一方面也可以不断降低融资风险发生的概率。但是， 由于世界经济一体化的紧密程度越来越明显，经济危机的周期性特征也对供应链 金融的发展造成一定的风险威胁，所以要引起我们的警惕。对于商业银行供应链 金融风险管理的探讨在一定程度上有很大必要，这项工作的开展可以让商业银行 在发展供应链金融业务时更加的平稳健康。 在当前世界和中国经济发展的大背景下，由于本文之前在W银行从事供应链 金融相关业务办理，因此本文在进行案例研究的过程中，把W银行作为研究对象。 本文通过采用文献法、案例分析法等方法对W银行供应链金融风险管理的现状进 行分析。本文在写作的过程中，首先介绍了本文创作的背景，以及创作本文的意 义，进而对于国内外学者在这个主题的相关研究进行归纳总结。其次，对于本文 主题中的概念供应链金融和供应链金融风险管理进行界定，分析供应链金融的特 征和常见的几种融资模式，再对W银行供应链金融的发展现状进行描述，为介绍 后文的W银行供应链金融风险管理打下基础。再者对于W银行实施供应链金融风 险管理的步骤进行了分析，找出其中的不足。最后，一方面为W银行的供应链金 融业务的风险防范提供了一系列措施，另一方面也对W银行供应链风险管理提供 了优化措施，通过这些措施的实施帮助W银行的供应链金融业务的开展更加快速 平稳。 本文的主要研究结论是，W银行目前在供应链金融管理方面存在的问题主要 来自于核心企业主体信用风险，第三方平台数据真实性风险，供应链贸易真实性 风险和资金流转安全性特点，需要从以下几个方面展开供应链金融风险管理的优 化工作：重视应收账款的管理，重视预付账款融资模式风险管理，防范供应链金 融业务中的操作风险，授信评估体系的建设有待提上日程，并且要不断完善。要 在实施供应链金融业务的过程中不断采用最新的技术，搭建信息化平台为供应链 2 金融业务所服务。以此帮助W银行在今后的发展过程中更好的进行供应链风险管 理。 关键词：W银行；供应链金融；风险管理 3 Abstract As a new force of enterprises, small and medium-sized enterprises play a more and more important role in the development of the country. Their status can be intuitively illustrated by actual data. No matter in terms of national taxes, gross national product, technological innovation, urban labor employment, number of enterprises, etc., the overall performance of small and medium-sized enterprises are among the best, so their status is very important.In the fourth quarter of 2019, the sme development index reflects the following characteristics of the operation of smes: stable market expectations, rising operating costs, and tight capital conditions. Supply chain financial financing is a new financing mode of commercial banks, which is mainly applied to small and medium-sized enterprises in a weak position in the supply chain. Among all the financing modes of commercial banks, supply chain finance, as a new one, plays an important role. For some small and medium-sized enterprises without financing advantages, supply chain financing can play a great role in helping them, and for commercial banks, it can also expand new businesses to achieve profit growth. As a new financing mode, supply chain finance has played an important role in the development of commercial banks. On the one hand, it can play its own financing advantages, survive in the fierce market competition, on the other hand, it can continuously reduce the probability of financing risk. However, due to the increasingly close degree of world economic integration, the cyclical characteristics of economic crisis also pose a certain risk threat to the development of supply chain finance, so we should be alert. Therefore, the research on supply chain financial risk management of commercial banks is imperative.To a certain extent, it is necessary to discuss the supply chain financial risk management of commercial banks. The development of this work can make commercial banks more stable and healthy in the development of supply chain financial business. In the current background of the world and China's economic development, because this paper was engaged in the supply chain finance related business processing in Bank w before, this paper takes Bank w as the research object in the process of case study, this article through the methods of literature, case analysis to explore W Bank financial risk of supply chain management. Case of this paper is the research background and research content are introduced, and a brief analysis of the current research situation at home and abroad, secondly on the concept and characteristics of 4 supply chain finance, financing mode and its development status are expounded, and then to the financial supply chain in W, the article briefly introduces the development of the bank and background lead to W Bank financial risk management of supply chain is the issue. Subsequently, the risks faced by W Bank's supply chain finance were identified and evaluated. Finally, based on the research results of supply chain finance risk management of W Bank and the future development direction of W Bank, this paper proposes risk management measures. This article main research conclusion is that the W Bank at present in the supply chain financial management problems mainly from the core enterprise credit risks of the main body, the third party platform data authenticity risk, trade authenticity of supply chain risk and cash flow security features, need from the following several aspects of financial risk management of supply chain optimization: Emphasis on the management of accounts receivable, advance payment financing model of risk management, guard against operational risks in the financial business, supply chain development of targeted credit evaluation system and to strengthen the construction of information platform in the supply chain financing, to help W Bank in the process of development in the future better for supply chain risk management.