Based Supply Chain Finance Bank Credit Information Service System

The financial sector is the most concentrated areas of credit transactions, greaterdemand for credit information services required standard is higher. Credit InformationServices as an important information consulting services, reduce informationasymmetry, prevent credit risks plays an important role. In this paper, from theperspective of supply chain finance, build a banking credit information service system.Bank credit information service system based on supply chain finance is constructedbased on the bank’s overall supply chain and overall perspective of supply chaininformation integration credit assessment, which provides financing and loan funds toensure the orderly operation of the supply chain. Construction of the system haschanged the traditional bank credit information services outsourcing model, will betransferred to the credit information services within the bank, the service not onlysaves costs, but also changed in the past one to one service model. A pair of N-basedcredit information service model of supply chain finance, changing the supply chaininformation asymmetry and achieve a smooth flow of information, thus ensuring thesmooth flow of funds to circumvent the supply chain scission problem.In this paper, the system sorts out the supply chain theory, supply chain financetheory, the theory on the basis of information services, defines the credit informationservice, the concept of banking credit information services, and analyzed from fouraspects of banking credit information service based supply chain finance necessity,that the bank level, the supply chain level, the core enterprise level and SME level.Proposed building a supply chain finance based banking credit information servicesystem meaning. The system then analyzes the goal of building a supply chain financebanking credit information service system, in principle, subject and object-baseddesign and its features, and from the four elements institutional system, organizational system, technical system and management system for system construction, to build acomprehensive system of credit Information service can help commercial banks tostrengthen customer management, improve service levels and provide informationsupport for the banking business innovation varieties, while in the bank to explore, tomaintain the customer throughout the process plays an important role.Then, combinedwith relevant research and practical experience, and according to the specificcircumstances of the development of China’s banking credit information, is proposedbased on the driving mode of supply chain finance bank credit information services,business model and implementation model to build the system model of bankingcredit information services banks may consider various factors operating environmentinformation services, targeted trade-offs for various operating modes andcombinations. Finally, based on the operation of supply chain finance banking creditinformation service system, from policy and legal, technical, personnel and financialsupport in four areas proposed safeguards to ensure the orderly operation of the bank’scredit information service system.