A Study On The Risk Evaluation Of Supply Chain Financing By Commercial Banks

Supply chain financing has been greatly developed in recent years, due to its relia nce on supply chain management theory and effective solution to the problem of finan cing SMEs, over the past decade, especially in the last five years in China, supply chai n financing has been widely research. Supply chain finance is a multi-benefit. Firstly f or banks to expand the bank’s customer base, therefore provides space for its further b usiness expansion and truly serve the real economy. Second, supply chain financing is to make logistics enterprises business not just stay in the traditional business. Third, it effectively address the SMEs business development process shortage of funds. Besid es, for core businesses, the financing of SMEs has been resolved, more conducive to t he core of the enterprise supply chain management. However, because the supply chai n financing involved more participating subjects, more flexible financing, information asymmetry is more complex, and therefore more diverse risk factors of operation. Ba sed on previous research, we build a set of credit risk evaluation system, and qualifica tion of SMEs to be divided, in order to provide risk management strategies for the sup ply chain finance business of commercial banks.This paper first defined the concept and meaning of supply chain financing, point ed out the risk characteristics of the supply chain financing. Secondly, combined with credit risk management theory and the background of chain financing development domestic, identified supply chain financing credit risk. Subsequently, based on previo-us research and theory analysis,we build up an evaluation system for the supply chain financing enter prises Then,we use principal component analysis from the credit evaluation of these enterprises were screened mainly induced risk factor, and this as a key indicator to build corporate credit rating decision model. Using gray relational the ory, establish a comprehensive evaluation of gray association highest credit financing companies in the sample of enterprises, the final comprehensive evaluation value obta ined credit companies, in order to determine whether to grant corporate loans. Finally. combined with the development of supply chain financing, problems encountered and model analysis, made policy recommendations on risk management in supply chain fi nancing of commercial banks.