Financing Risk Assessment Study Of Agricultural Small And Medium Enterprises Based On The Supply Chain Financing

China’s small and medium enterprises play an important role in Economic development. They can disperse economic risk and improve the market mechanisms. But they face a very serious crisis of survival. Financing problem is a bottleneck in the development. Small and medium enterprises are still perplexed by financing costs, quantity and ways. At the same time, the commercial banks develop the new supply chain financing to seek new growth points of interest.Supply chain financing or SCF for short is a new financing model. It bases on the entire supply chain. SCF evaluates the credit status of the core enterprise and the operational status of the supply chain to analysis the risk of corporate debt financing. At present, the debt financing risk assessment study of agricultural small and medium enterprises is few. This article increases the external environment and the health of the supply chain to evaluation corporate debt financing risks based on the existing evaluation system.This paper introduces the development process of our supply chain financing to analyze the current situation of the supply chain financing model. The supply chain financing model is divided into accounts payable financing, movable property and account receivable. Then this paper introduces the operation way of SCF. We can discover that the debt financing risk of China’s small and medium enterprises is large, which becomes the entry point of this study.Then, this article distinguishes the debt financing risk of agriculture-related small and medium enterprises and analyses the types of debt financing risk. The studies suggest that the natural environmental risk, payment risk, operational risk, interest rate risk, currency risk and supply chain operational risks have important implications on debt financing risk.When this article is building the evaluation system of the debt financing risk based on SCF, it uses a certain level of recursion to analysis the risk of debt financing. The paper probes into the debt financing risk from four aspects:the payment of the environment, the risk of payment financing, the operating financing risk and supply chain operational risks. And it introduces the process of Analytic Hierarchy Process to calculate the index weight and the ways to determine the degree of risk of debt financing on the efficiency coefficient method.In the empirical analysis section, this paper takes the Analytic Hierarchy Process to analyze the debt financing risk evaluation indicators and uses experts grading to determine the relative importance of the two indicators of the same level. Then using the judgment matrix and consistency checking is to calculate weights of various indicators. Using the data of four Chengdu municipal agricultural industrialization leading enterprise and efficiency coefficient method is to determine their debt financing risk and whether these four companies are fit for supply chain financing. Finally, put forward suggestions to reduce the risk of debt financing according to the research findings.