The key to successful agricultural product supply chain finance of commercial banks lies in coordinating the relationship among the “supply chain finance model”, “banking serviceability”, and “user satisfaction”. Previous research on agricultural products supply chain finance rarely incorporated the operational level of commercial banks. To fill this gap, this paper transforms the operational problem of the agricultural product supply chain finance of commercial banks into a matching problem between the agricultural product supply chain finance model and customers under the constraint of serviceability. First, a matching model of “mode-capability-customer” of agricultural products supply chain finance is constructed based on the theory of bilateral matching; second, a measurement index system of matching degree and satisfaction is constructed, where matching degree and satisfaction are calculated; finally, the optimal matching model is studied. This paper proposes a model that matches agricultural supply chain finance with customer satisfaction, considering bank serviceability constraints. It improves the implementation of agricultural product supply chain finance by commercial banks. The study uses surveys and evaluations to assess stakeholder satisfaction and preferences. An operational research model optimizes the matching process between supply chain finance models and recipients, ensuring suitability. The paper provides a theoretical basis for rural financial services and practical recommendations for commercial bank supply chain finance, with valuable real-world applications.