PAGEIII摘要供应链金融是有别于传统形式的创新型融资模式，力图为供应链条上的中小企业服务，解决其自身缺陷和融资难的桎梏。近年来，各方学者围绕这一主题的研究成果甚丰，而京东的供应链金融具有一定的代表性，是电商行业进军金融业的典型案例，受到颇多关注和分析，其供应链金融发展中存在的问题值得研究与分析。在如今互联网技术的发展下，越来越多中小企业发展起来，但是中小企业由于自身发展不完全，在融资上难以很快得到解决。在这样的背景和研究意义下，引出服务中小企业融资问题的电商供应联金融，对相关文献进行总结和梳理，以京东金融的供应链金融为研究对象，探讨了行业发展现状，就发展过程存在的问题提出个人的观点。全文分三个部分：首先，以供应链金融发展背景和意义为切入点，简洁阐述我国学者在供应链金融和京东金融平台的研究成果；其次，从国内供应链金融发展现状展开，以京东金融为例分析其发展现状；最后，指出在业务主体、参与主体、征信法律法规以及风控方面存在的问题，并提出相关对策方案，并对其发展做展望与分析。本文主要创新是以京东金融的供应链金融为例，通过对其发展的而问题提出见解及建议，并对这一主题内容做了总结剖析和展望。关键词：供应链金融京东金融中小企业融资ABSTRACTSupplychainfinanceisdifferentfromthetraditionalformsofinnovativefinancingmodel,tryingtosupplychainofsmallandmedium-sizedenterpriseservice,solvethefinancingproblemsofitsowndefectsandshackles.Inrecentyears,theresearchachievementsofthescholarsonthesubject,andjingdonghascertainrepresentativenessofsupplychainfinance,isthetypicalcasesinelectricityindustrytoenterthefinancialsector,byalotofattentionandanalysisoftheproblemsexistinginthedevelopmentofsupplychainfinanceisworthyofresearchandanalysis.Nowadays,withthedevelopmentofInternettechnology,moreandmoresmallandmedium-sizedenterprisesaredeveloping.However,duetotheirincompletedevelopment,itisdifficultforthemtogetfinancingquickly.Undersuchbackgroundandresearchsignificance,e-commercesupplychainfinance,whichservesfinancingproblemsofsmallandmedium-sizedenterprises,isintroduced,relevantliteratureissummarizedandsortedout,thesupplychainfinanceofjingdongfinanceistakenastheresearchobject,thedevelopmentstatusoftheindustryisdiscussed,andtheproblemsinthedevelopmentprocessareputforward.Thepaperisdividedintothreeparts:first,itbrieflyexpoundstheresearchresultsofChinesescholarsinsupplychainfinanceandjdfinancialplatformbasedonthedevelopmentbackgroundandsignificanceofsupplychainfinance.Secondly,startingfromthedevelopmentstatusofdomesticsupplychainfinance,thispapertakesjdfinanceasanexampletoanalyzeitsdevelopmentstatus.Finally,itpointsouttheexistingproblemsintheaspectsofbusinesssubjects,participants,creditinv