中文摘要：

发展供应链融资业务对银行自身战略转型发展具有重要意义。由于我国中小银行与大型商业银行的发展情况也不相同,通过对比建设银行与晋中银行在供应链融资产品体系、服务客户、信息技术、风险管理方面的发展情况,发现我国中小商业银行供应链融资业务存在产品结构单一,缺乏创新能力,信息技术水平落,风险管理构架不完善等问题。我国中小商业银行要加快发展供应链融资业务应丰富产品,创新业务模式,加大投入,发展信息技术,完善体系,提升风险管理。实现传统融资业务和供应链金融业务的良好互动,为开展供应链融资打下坚实的基础。

英文摘要：

It is of great importance to develop supply chain finance for the strategic transformation of banks. The development situations of small and medium-sized banks and large-scale commercial banks are not alike. In this connection, the development situations of China Construction Bank and Jinshang Bank are compared regarding to product system, customers, information technology, and risk management. It is found that for small and medium-sized commercial banks, the product structure of supply chain finance is simple, innovation capacity is poor, information technology is backward and the risk management framework is imperfect. The banks should offer more products, innovate business pattern, increase investment, develop information technology, and improve system and risk management. To realize the interaction between traditional financing operations and supply chain finance will lay a solid foundation for the growth of supply chain finance.