Supply Chain Finance And Credit Risk Control

Small and medium-sized enterprises (SMEs) are incredible important component in national economy, its development is related to the employment and livelihood of the people of the whole society. However its contribution to national economy don’t seriously match the economic resources, small and medium-sized enterprise financing difficulties are the unresolved problems in the process of economic development in China. Supply chain finance as a new way of financing, plays an important role in solving the small and medium-sized enterprise financing. Supply chain financing model based on the industrial chain, the core enterprise as risk slow-release means, from their source of funds for repayment, effectively reduce the risk of financing for small and medium-sized enterprises. It has been widely used in domestic commercial Banks. But with the development of supply chain business, the credit risk problem also emerges. So establishing effective supply chain risk evaluation system, reducing the occurrence of credit risk, reducing loss, continuing to promote the development of supply chain finance become very important.This article firstly introduces the basic concept and specific model of supply chain finance, explains the difference between supply chain finance and traditional loan, illustrates the advancement and significance of developing supply chain finance model. Secondly, this paper analyzes the measurement method and the identification of the financial credit risk of supply chain, in reference on the basis of predecessors’ research results, using the principal component analysis (PCA) to identify the main components of influence factors to credit risk of supply chain, established Logistic risk measurement model of supply chain finance, and used a commercial bank’s actual case, importing the risk evaluation model to evaluate the feasibility of the commercial bank supply chain business. Finally, the article from two aspects of commercial bank itself and the macro level tries to put forward to countermeasures and the suggestions of managing supply chain financial risk, hope to provide certain reference and application value to the development of supply chain finance in our country.