Research On Enterprise Credit Risk Evaluation In Online Supply Chain Financing Mode

Supply chain finance, is to adapt to the competition between supply chains and the flow of funds, will be effectively integrated into the supply chain management,not only to provide new loans and financing service all aspects of the supply chain enterprises vulnerable, simultaneously through the financial capital and industrial economic cooperation, build banks, enterprises and commodity supply chain of mutual benefit and coexistence, continuous development, benign interaction between the industrial ecology. With the rise of electronic commerce platform for many years practice and big data, cloud computing, Internet of things and other emerging industries of strategic importance, has provided the possibility for the accurate mass data processing. This paper studies the line supply chain finance(Online Supply Chain Finance, OSCF) is combined with the traditional supply chain finance(supply chain finance, SCF) and the electronic commerce platform advantage of sharing information, covering "the supply chain upstream and downstream enterprises", "financial institutions(commercial banks, small Credit Company)", "logistics company" and "e-commerce platform" as the main elements, the new financing model of supply chain.Online financial services supply chain, compared risk factors faced by the commercial banks under the line pattern has changed greatly, therefore the management of risk can not be ignored. This article mainly uses the method of theoretical research and comparative research, mode and risk factors on the line supply chain finance and analyzes the. And using the factor analysis, constructing the line supply chain finance model of credit risk rating system, the establishment of logistic regression model as the assessment method, makes comprehensive evaluation on the line supply chain financing mode of financing of enterprise credit risk. Finally,using the method of case analysis, thus quantitative, objective, scientifically reveals the effectiveness of online supply chain finance credit risk assessment.On this basis, combined with a favorable background, study on supply chain finance mode in expanding the financing channels and reduce the risk of credit advantage of two aspects, and puts forward the application of support line of supply chain finance in the construction of the policy recommendations.