金融脱媒已成必然趋势。在这种形势下,商业银行开始转为依托公司购销网络与其合作,逐渐形成了独特的供应链融资业务模式。“M+1+N”供应链金融服务网络是指以核心企业为中心,基于采购和销售链条为核心企业及其上下游企业提供的综合性金融服务。“1”是指核心企业,“M”是指核心企业上游的多家供货商,“N”是指 Financial disintermediation has become an inevitable trend. In this situation, commercial banks began to rely on the company’s sales network to cooperate with them, and gradually formed a unique supply chain financing business model. “M + 1 + N ” supply chain financial service network refers to the core business as the center, based on the procurement and sales chain for the core business and its upstream and downstream enterprises to provide a comprehensive financial services. “1 ” refers to the core enterprise, “M ” refers to multiple suppliers upstream of the core enterprise, “N ” means