In recent years, chain financing has been considered as a key tool for facilitating physical, informational, and financial flows in supply chains globally, and its role in increasing profitability and improving chain performance has been proven. The aim of this study is to investigate the impact of chain financing products on liquidity and risk management in commercial banks. Questionnaires were distributed to 150 managers and experts of commercial banks (including Tejarat, Sepah, and Shahr) using convenience sampling. Then, the collected data was analyzed using SPSS and Stata software. In this process, tools such as correlation coefficient and statistical tests were used to examine the relationships between variables. The results of the study show that in chain financing, there are various risks that significantly affect the performance of banks. These risks include technological issues such as hardware and security flaws, information errors, inter-institutional problems, operational risks, and credit risks. Each of these risks can pose significant challenges to the effective identification and management of risks in financial systems. Overall, all of the risks raised have a significant and negative impact on bank performance. Among these risks, technological risk has the most negative impact on liquidity and operational efficiency, while misinformation, inter-institutional, operational, and credit risks also affect service quality, supply chain coordination, operating costs, and bank profitability, respectively.