商业银行在数字化供应链金融创新中的作用与策略研究

Research on the Role and Strategies of Commercial Banks in Digital Supply Chain Financial Innovation

聚焦于商业银行在数字化转型如何推动供应链金融创新,分析供应链金融的概念和传统模式存在的问题,强调利用区块链、大数据等新技术来解决这些问题。商业银行在这一转型中扮演着关键角色,应通过科技力量和物联网技术提升自身的服务效率和风险管理能力。探讨了供应链金融对实体经济的服务作用和对产业链高质量发展的推动。指出商业银行应发挥优势,扩展交易银行业务,采用开放银行策略,以更好地服务供应链中的中小微企业;支持实体经济,促进产业数字化转型。

Focusing on how commercial banks drive supply chain finance innovation in digital transformation,the concept of supply chain finance and the existent problems in the traditional model are summarized.It is underscored to solve these problems by utilizing new technologies like blockchain and big data.Commercial banks are critical in this transformation,which improves service efficiency and risk management capabilities of themselves by technological power and the Internet of Things technology.The paper discusses how supply chain finance serves the real economy and pushes forward the high-quality development of the industrial chain.It is pinpointed that commercial banks must leverage their advantages,expand transaction banking services,and adopt open banking strategies,which is to better serve the supply chain small,medium and micro enterprises in supporting the real economy,facilitating the digital transformation of the industry.