供应链金融作为现代金融体系的重要组成部分，通过整合供应链中的资金流、信息流和物流，有效提升了供应链的效率和稳定性。随着大数据、人工智能等技术的快速发展，供应链金融实现了数字化转型，为金融服务提供了更多可能性。数据化、智能化的趋势使得供应链金融更加精准、高效，降低了融资成本和风险。本文对供应链金融的发展现状进行梳理，在此基础上分析其未来发展趋势。首先对供应链金融的模式和发展阶段进行梳理和分析，其次对风险进行总结，最后，提出了供应链金融的四个发展趋势，即供应链金融数字化、绿色化、场景化、生态化。

Supply chain finance, as a vital component of the modern financial system, enhances supply chain efficiency and stability by integrating capital flows, information flows, and logistics within the supply chain. With the rapid advancement of technologies such as big data and artificial intelligence, supply chain finance has undergone a digital transformation, unlocking greater possibilities for financial services. The trend towards data-driven and intelligent operations renders supply chain finance more precise and efficient, thereby reducing financing costs and mitigating risks. This paper examines the current state of supply chain finance development and, building upon this foundation, analyses its future trajectory. Firstly, it reviews and analyses the models and developmental stages of supply chain finance. Secondly, it summarises associated risks. Finally, it proposes four key trends for supply chain finance: digitalisation, greening, scenario-based applications, and ecosystem integration.