中文摘要：

供应链金融作为一种新型的融资模式,为资信不足的中小企业开辟了新的融资渠道,是解决中小企业贷款难、融资成本高的重要途径。同时,供应链金融也为商业银行拓展了业务范围,增加了业务数量,丰富了产品种类,银行可以从中获得中间业务收入和安全的派生利润。这种可以实现多方共赢的融资模式已经越来越多地引起了企业及金融机构的关注。企业资源计划（ERP）是将企业的财务、采购、生产、销售、库存和其他业务功能整合到一个信息管理平台上,从而实现企业信息数据标准化、系统运行集成化、业务流程合理化、绩效监控动态化和管理改善持续化。从国内外相关研究入手,分析供应链金融中的潜在风险因素,提出一种基于ERP系统新的供应链金融操作模式,充分利用现代信息管理的手段,可有效提高供应链金融的效率,降低供应链融资中的风险。

英文摘要：

Supply chain finance, as an important way to open up a new financing channel for small and medium -sized enterprise that are lack of credit, solve the problems that they are hard to get loans because of the high cost. Supply chain finance also helps commercial banks to expand the scope as well as increased the number of bus- iness, rich product variety, and receives intermediate business income and derivative revenue. This multi -win - win pattern has been focused more and more by either enterprises or commercial banks. Enterprise resource planning （ERP） combine financial, procurement, production, sales, inventory and other business functions into a single information management platform, achieve enterprise information standardization, systems integration, and business process running rationalization, monitoring dynamic performance and management improvement steps. In this paper,we analyzed the potential risks in supply chain finance. Based on common modes and ERP, the paper created a new mode which will improve the effectiveness of supply chain finance and bring down the risks.