Research Of Commercial Bank Supply Chain Financial Risk Control

Supply chain finance as a new innovation of financial products and financing channels in China is still in its infancy, it appears as an effective solution to the major problem of the financing of SMEs, as well as play a role to improve our financial market system, which has caused widespread concern in the community. Under the pressure to innovate and coupled with the change of firms accelerate the development of supply chain financial services of China’s commercial banks. Supply chain finance is a brand new financing mode, its greatest feature is that to find a core business for the supply chain center, and gather together the core enterprise, suppliers, manufacturers, distributors and end users into a whole, providing a full range of financial services for the supply chain. Supply chain finance has become a common focus of domestic and foreign commercial banks. Meanwhile, commercial banks in the process of development of the financial supply chain faces a variety of risks, only timely and necessary risk assessment and risk management can maximize the value created by the supply chain finance.The article mainly analyzed the financial risk control from the point of view of the commercial bank. The text can be divided into three parts:The first part describes the three basic financing modes of supply chain finance. Under the deep analysis of the three modes, the article summed up the difference between supply chain mode and traditional mode of bank credit, as well as the characteristics of supply chain finance which are self-liquidating, closeness and continuity. Along with the continuous development of supply chain finance, the risk of supply chain gradually exposed and lead to a widespread concern. In the second part, I studied from the likely source of risk which including market risk, legal risk, credit risk and operational risk. Unlike the traditional credit financial, the article mainly focuses on the analysis of the credit risk and operational risk. Finally, through a systematic analysis of the risks to the supply chain, the article gives the risk prevention and control strategies. The third part is mainly analyzed the specific strategies of market risk, legal risk, credit risk and operational risk control. The systematic study of supply chain financing mode and its risk provided a reference value for the smooth development of the supply chain finance and which at the same time of a very important practical significance.