摘要
摘要
中小企业在我国国民经济中发挥着越来越重要的作用，但因存在信用级别较低、
抵押担保品少、财务管理滞后等制约因素，导致中小企业面临融资成本高，从传统渠
道获得融资难的局面，严重影响其进一步发展。国家出台多项政策要求银行等金融机
构大力开展普惠金融业务，以支持中小企业的发展。供应链金融利用核心企业、第三
方物流企业的资信来缓解银行等金融机构与中小企业之间信息不对称，是解决中小企
业“融资难、融资贵”的有效途径。商业银行在国家监管有要求、自身发展有诉求、
客户和市场有需求三方面的驱动下大力发展供应链金融业务。随着业务的快速发展和
金融科技赋能，其线上化、自动化、智能化水平不断提高，与此同时也不断暴露出新
的风险，这些风险成为制约商业银行供应链金融发展的关键因素。为了能更好的从风
险识别、风险评估和风险控制的角度出发，提高商业银行供应链金融风险管理，本文
以国内 N银行为研究对象，对其供应链金融业务发展和风险管理现状进行研究。
本文在供应链金融风险管理理论以及国内外学者相关研究成果的基础上，从风险
识别、风险评估和风险控制等方面对 N银行供应链金融风险管理进行研究，并通过
对比分析、案例分析和问卷调查对 N银行的供应链金融风险管理现状进行深度剖析。
通过对 N银行相关部门员工进行问卷调查和分析，发现 N银行供应链金融风险管理
中存在的主要问题在于：一是模型与数据质量不佳，二是反欺诈能力不足，三是贷后
管理不精准，四是法律风险。针对存在的问题提出建立模型风险管理机制、完善数据
风险管理机制、建立以数据分析为基础的贷后管理机制、加强内外部欺诈风险管理、
加强法律风险管理等优化对策。希望本文的研究结果可以解决 N银行供应链金融风
险管理在具体实践中存在的突出问题，并对促进商业银行供应链金融风险管理的实践
发展提供有益借鉴。
关键词：商业银行供应链金融风险管理
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Abstract
Abstract
Small and medium-sized enterprises (SMEs) are playing an increasingly important
role in China's national economy, but because of their low credit rating, lack of collateral,
lagging financial management and other constraints, SMEs are facing high financing costs
and difficulties in obtaining financing from traditional channels, which seriously affects
their further development. The state has issued a number of policies requiring banks and
other financial institutions to vigorously carry out inclusive financial services to support
the development of small and medium-sized enterprises. Supply Chain Finance uses the
credit of core enterprises and third-party logistics enterprises to alleviate the information
asymmetry between banks and other financial institutions and SMEs, which is an effective
way to solve the problem of "difficult and expensive financing" for SMEs. Driven by the
requirements of national supervision, the demands of their own development, and the
needs of customers and markets, commercial banks vigorously develop Supply Chain
Finance business. With the rapid development of business and the empowerment of
financial technology, the level of online, automation and intelligence has been
continuously improved, and at the same time, new risks have been exposed, which have
become the key factors restricting the development of Supply Chain Finance of
commercial banks. In order to improve the risk management of Supply Chain Finance in
commercial banks from the perspective of risk identification, risk assessment and risk
control, this paper takes the domestic N bank as the research object, and studies its Supply
Chain Finance business development and risk management status.
Based on the theory of Supply Chain Financial risk management and the related
research results of scholars at home and abroad, this paper studies the Supply Chain
Financial risk management of N bank from the aspects of risk identification, risk
assessment and risk control, and deeply analyzes the current situation of Supply Chain
Finance risk management of N bank through comparative analysis, case analysis and
questionnaire survey. Through the questionnaire survey and analysis of the staff of the
relevant departments of N Bank, it is found that the main problems in the Supply Chain
Financial risk management of N Bank are as follows: first, the quality of the model and
data is not good; second, the anti-fraud ability is insufficient; third, the post-loan
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