The Research On SME Credit Risk Management From The Perspective Of Supply Chain Finance

SME credit risk from the perspective of the supply chain finance (SCF) is thecredit risk faced by small and medium enterprises as credit grantors financing fromcommercial banks and other financial institutions on the basis of the supplychain.The credit risk, not only derived from the SME, but also from the supply chainrisk factors for SME, such as the transmission of information risk, financial positionrisk, market volatility risk[34]. Under supply chain finance, SME’s credit is bound tothe core enterprise to enhance the credit status and financing advantage of SME. AsSME are limited by their own factors, when they face crisis, the impact brought bysupply chain is more pronounced and difficult to overcome. The SCF model istailored for SME by commercial bank based on the characteristics of the supply chainand SME, thus it becomes an effective model to solve the financing difficulties ofSME. Credit risk assessment of the traditional financing model makes a singleenterprise as the main body, and concerned about the company’s financial data, whileit is based on a new perspective in the financial model of the supply chain. Scientificand objective assessment and control of credit risk is not only the foundation ofcommercial banks to successful implement supply chain finance,but also providespecific ideas, direction, and a guide to action for the commercial banks to developfinancial services for SME.On the basis of expounding the theory of SME financing credit risk managementfrom the perspective of SCF, this paper made SME financing credit risk from theperspective of SCF for the study, analyzed its performance and causes, designed SMEcredit risk assessment index system, built a credit risk assessment model using theanalytic hierarchy process, and put forward the corresponding credit risk controlstrategy combined with the characteristics of SME and the causes of the credit risk.The text is divided into five parts:Chapter One is the introduction, which introduces the research background,review, methods and innovation; Second chapter elaborated the theory of SME creditrisk management from the perspective of SCF; Third chapter analyzed theperformance and causes of SME credit risk management from the perspective of SCF;Chapter four built the credit risk assessment, including the design of the index system,the selection of evaluation methods, the build of assessment model and application.Chapter five provided SME credit risk control strategy by implementing strict accesssystem or other aspects.