Study Of Evaluation System In The Enterprise Credit Risk Based On Supply Chain Financing

Supply chain financing is an effective way to resolve the global problem, which is the small and medium-sized enterprises have little chances to finance. With the development of domestic economic situation, the traditional profit model of the commercial banks, which means to make money by the interest margin, is facing the severe challenge. In order to overcome the challenge, get a sustainable development and make the priority of the "blue ocean" market of the small and medium-sized enterprises, all commercial banks have put emphasis on the supply chain financing as a strategic product.This thesis tells the study on the evaluation system of the enterprises’credit risk with basis of supply chain financing. Firstly, it makes a deep analysis on the supply chain financing model, then, based on the current credit decisions processes acted by the commercial banks, it sets up the evaluation index system of the enterprises’credit risk with basis of supply chain financing. To ensure the scientificity and reliability of the evaluation index system, this thesis uses the correlation analysis method to explain the correlation of the evaluation indexes and then it deletes the high correlation indexes. Besides, this thesis also uses Analytic Hierarchy Process and Fuzzy Evaluation Theory to set up a model to analyze the enterprises’credit risk with basis of supply chain financing. Many relevant cases are also used to verify the correctness of the model. Though these methods, we can combine the theory and the practice effectively. In all, the model can be the guidance when the commercial banks need to set up their own evaluation system of the enterprises’credit risk with basis of supply chain financing and it will be helpful to improve the efficiency and accuracy of the credit rating. With the model, the banks can examine and approve the credit project more efficiently.The thesis consists of three parts. Part1describes the meaning and the patterns of the supply chain financing. Then it analyzes the theory and methods of the evaluation on credit risk, which is the theoretic basis of the whole thesis. Part2analyzes the influential factors of the enterprises’ credit risk with basis of supply chain financing, then it uses the correlation method to establish the evaluation index system and assign those indexes。Part3uses Analytic Hierarchy Process and Fuzzy Evaluation Theory to build the evaluation model of the enterprises’credit risk with basis of supply chain financing and verify its validity by relevant cases.