Credit Risk Evaluation For The Financing SMEs Based On Supply Chain

In recent years, a new financing model called Supply Chain Finance has appeared.Its core idea is:taking main enterprise in supply chain as a breakthrough point, through controlling information flow, material flow and cash flow, the financial institution provides financing service for the related enterprise in supply chain. As a new financing model, supply chain financing not only spread the credit risk of financial institutions, at the same time make more small and medium-sized enterprises can take loan threshold, incorporated in the service scope of financial institutions. But because of the inherent characteristics of the small and medium-sized enterprises (smes), financing difficulty is still one of the key problems of restricting its development.Based on the perspective of supply chain financing of small and medium-sized enterprise financing credit risk comprehensive evaluation problem for research centre, and from the supply chain financing research background and significance, definition of supply chain financing, financing credit risk analysis of the influence factors of supply chain and supply chain financing the construction of credit risk assessment index system and evaluation model, the establishment of the four aspects, by adopting the method of AHP (analytic hierarchy process) and Cost benefit analysis, through the comparative study to find suitable for our country commercial bank supply chain finance credit risk assessment method, thus for our country commercial bank is more reasonable and effective to the implementation of the supply chain financing credit risk management scientific and feasible Suggestions are put forward.This article belongs to the applied research of supply chain financing risk assessment; study the content of the innovative and practical. This paper has done research not only enrich the supply chain financing risk in theory research, and, more importantly, through the empirical research of financing of small and medium-sized enterprises, can promote and optimize our country small and medium-sized enterprises and Banks in the aspect of practice, help to solve the problem of financing difficulties for small and medium-sized enterprises; For a bank, is more advantageous to risk assessment for a variety of supply chain financing products.