Research On SCF Under The Mode Of Commercial Bank

Supply chain finance is an effective way to solve the financing difficulty ofsmall and medium enterprises,including financial companies, logistics, commercialbanks and other models. With the Shenzhen Development Bank firstly launched the"supply chain finance" services in2006, supply chain finance practice of domesticbanking industry also appeared in the rapid development. In order to stabilize thecustomers and open up a new source of income,the commercial banks also provide avariety of supply chain financial services products according to the different needs ofthe enterprise, including accounts receivable financing,confirming warehousefinancing, accommodating warehouse financing. These kinds of supply chain financepattern has the similarity function, can solve the financing difficulties of small andmedium-sized enterprises faced,but there are also some differences, such as whetherthe logistics enterprises participate in,the different position of enterprises in thesupply chain,.Besides the huge benefits brought by supply chain finance to domesticcommercial banks,there are also many risks that can not be ignored at the same time.All commercial bank supply chain financial products without exception are facedwith some common risk, such as operational risk, market risk. For the commercialbanks in different modes of supply chain finance, also has some special risks, such asrisk of the pledge and warehouse receipts risk. Because of the development ofsupply chain finance is still at the initial stage, the supporting measures are notperfect, so commercial bank need to pay attention to guard against the risk of supplychain finance.Take ICBC as an example to investigates the status of risk management andproducts design of supply chain financial. Using CreditRisk+model to measure riskcontrol,it needs to be combined with the actual situation of different areas to adjustthe framework and parameters of the model. Selecting160loan data given to smalland medium-sized enterprises of ICBC,we use CreditRisk+model to the practicalestimation of credit risk in commercial bank.It is found that the maximum loss of theloan portfolio of ICBC for the financing of small and medium enterprises when therate exceeded the rate of non-performing loans.So there are more to deal with the therisk of further strengthen the control, and according to the empirical results of risk toallocate economic capital to make the capital ratio at the optimal state.In order to promote the development of commercial bank supply chain finance,commercial banks are suggested to continue to strengthen the innovative design ofsupply chain finance products,to adapt to the small and medium-sized enterprisefinancing demand changing in the effective control of risks under the premise.