A Study On The Credit Risk Evaluation Based On Logistics Center For Supply Chain Financial

SME financing has become the world of problems for our country inthe developing countries. The SME financial services market system is still notperfect, SME financing outstanding conflicts and complex. To speed up the solutionsto the problem of SME financing in China’s banking industry has become theinnovation subject. The CBRC continued financing for SMEs issued a notice toimprove financial services to commercial banks for SMEs and innovative ways. Atthe same time the logistics center is the integrated logistics services, theirparticipation in supply chain services to enrich the functionality to fully grasp theinformation of SMEs. To play a central role of logistics to solve financing problems ofSMEs has become a breakthrough in commercial banks.In this paper, base on the logistics center of supply chain financial services isthe study subject. The author sort out the logistics center, supply chain finance andother research literature, research-based supply chain logistics center feasibilityof financial services and service models, with emphasis on building a creditrisk evaluation index system, build credit risk evaluation model. This article wasfirst selected to carry out the supply chain finance in China, Shenzhen DevelopmentBank, the financial services supply chain, financial credit risk assessment as thetheoretical basis, propose improved supply chain finance with logistics center thecredit risk evaluation index system. The article research160SMEs throughlarge-scale research. Using statistical software SPSS13.0when got thedata collected principal component analysis, a prerequisite for the conduct of Logitregression to do to prepare. Then through Logit regression analysis, the compliance ofSMEs formula. Substituting the expression for compliance in SMEs reachedits trustworthy data rate; according to the trustworthy banks decide whether to carryout rate financing.This study follows these main conclusions. Based on the logistics supplychain financial services center can be solved for the financing problems of SMEs. Especially in SMEs, there are accounts receivable, orders and inventory financingcould not be realized in time the case provided by the logistics center for SMEs tobank information and give some guarantees to solve the financing problems of SMEs.Supply chain logistics center based financial services not only provide SMEs with ahigher credit limit, while the logistics center with the participation of SMEs to protectthe bank’s risk control.