Commercial Bank Credit Risk Identification And Assessment

In the background of rapid development of economic globalization and in-depth concept of supply chain management, the financial model of chain-supplying is created by the integration of finance and chain-supplying. In the 1990s, the chain-supplying finance was making into practice for the first time, however, this financial model developed much later in China:it started in the early 21st century. The main financial participant of the supply chain finance includes the following parts:the commercial bank, the SMEs and the core enterprises, with the creation and the development of the supply chain, its development not only play a positive role in solving the financial problem of SMEs, but also provide some opportunities for the commercial banks, what is more, it also bring some positive influence in improving capital efficiency for the core enterprises.In the past few years, the commercial bank assessed the SMEs according to collect the main information of SMEs, to analyze of financial data and to pay some attention to the collateral material, etc, moreover, the chain supplying financial model tries to seek a new way to assess the credit crisis of SMEs, to treat the core enterprises in the supply chain-financing model as the main part which needed to be assessed, more important, the stability of whole supply chain are also considered as the related factors. This article research the credit crisis assessment of the commercial bank to small and medium-sized finance corporate. The author pays much attention to find a reasonable way and system of credit crisis assessment of supply-chain financing small and media enterprises according to emphasis the following four aspects:the definition of the supply-chain financing, the recognizing of the supply-chain financing credit crisis, the establishment of the supply-chain financial credit crisis assessment system and the comparative analysis, and to adopt the method of analytic hierarchy efficacy coefficient, and to assess the credit crisis of the traditional financing model. Therefore, some theory supports in terms of supply-chain financing business are provided, in order to cause the business of commercial banks in China operate more reasonable and efficiency.This essay are divided into six chapters:the first chapter described the main background and the practical significance of this article, some domestic and foreign literature review in this essay are outlined following by, at the end of this chapter, some context and concept of this essay are introduced. Theory analysis are the key point in chapter two, in this chapter, the recognition of credit risk and the relevant theory about assessment are elaborated respectively, what was following by was the relevant theory analysis as to the supply-chain financing in four aspects:the definition ans development about the supply-chain financing, the main elements of supply-chain financing, the model of supply-chain financing and the influence of supply-chain financing. The analysis of how to recognize the financial credit crisis of supply-chain are the core element of chapter three, in this chapter, the explanation of supply-chain financing mode are outlined in three points respectively:receivable mode, inventories pledged mode, prepaid receivables mode. The data of chapter four are based on the third chapter to establish rational assessment target system of business financial credit crisis. The fifth chapter indicated some empirical data, first of all, the meaning of different indicator are determined according the analytic hierarchy, secondly, data analysis, which combine the quantitative and qualitative figure analysis, of Hai Tong Machinery Co., Ltd. Chongqing, are shown through two reasonable ways.In the mode of supply chain financial score significantly higher than the traditional financial model score. It can be seen that SMEs themselves comprehensive ability and the general credit situation are not good enough, but if from the perspective of supply chain finance to assessment.it can improve their credit status and credit rating can be raised rely on the core enterprise,achieve the bank’s direct credit conditions. The last chapter: chapter six concluded the whole paper and gave an outlook as well.