In this paper, by comparing supply chain internal financing and external financing, we identified the suitable financing means for different situations. Then we focused on the supply chain financing part in the external financing, then with the automobile financing as the background, built the corresponding model for the optimization of the profit level of the retailers, examined the changes in the level under different situations, and at the end, reached some useful conclusions.%首先通过对供应链内部融资和外部融资进行比较，并通过相同状况下模型结果的比较得出在不同情况下应该选择的融资方式。着重分析外部融资中的供应链金融（物流金融）部分，并以汽车金融为背景进行分析，建立模型，考虑零售商利润最优化模型，求出在不同情况下最优解的变化情况。得出结论：如果交易过程中存在供应链金融服务，供应链收益将会远远大于没有融资服务和普通银行融资服务的利润；在银行利率、订货成本、谈判成本发生变化时，零售商的订货决策都会随之变化。
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