The Commercial Bank Control The Credit Risk Of SEMs In Supply Chain Finance

The past two years,as the international market downturn,the domestic economic slowdown,the costs of the labor factor and raw materials continued to rise and other factors superimposed,China’s small and medium enterprises,small and micro enterprises in the period of the business difficult transition and upgrading special development difficulty. The current macroeconomic environment is difficult to improve.Various social resources tend to be used by large enterprises and state-owned enterprises obviously. The distribution of social resources is not uniform,gathering to the development and strengthening of companies and further squeezing the living space of small and micro enterprises.As a new financing model and industrial value-added way,supply chain finance has attracted widespread attention in recent years. The model has been solving the financing difficulties of SMEs to a certain extent and has changing the bank’s credit model of traditional and single. Supply chain fiance has a large potential market,is becoming a new filed of many banks’competition with each other.Supply chain fiance business based on the structural characteristics of the industry chain and commodity transaction relies on the core business of financial supporters to grant credit for SMEs.In this way,supply chain fiance can effectively shift the risk. With the supply chain finance business increasing,market growth,risk controlling becomes especially important throughout the supply chain financing trading activities.Based on the above background,the paper focuses on two aspects of supply chain finance and focuses on empirical analysis. First,supply chain finance reflects a special advantage when solutes to SME financing difficulties,a commercial bank credit granting singly and the cash flow of institution core business is not sufficient. Second, supply chain financial risks Control. Since the development in China started late, and the supporting system is not perfect, there is a big difference in lending to SMEs customer risk assessment methods, systems, standards and with traditional credit granting, so the risk of supply chain finance business in carrying out the process of facing and take risk control methods are also distinctive.This paper is divided into five parts. The first part, combined with the history of the supply chain finance, introduce the relevant definitions and components supply chain finance. The second part,the three basic financing model of supply chain finance has been described in detail, including the application range of each model, specific business processes, and evaluation of the financing model advantages in practical use.The third part will be cooperative game from the perspective of both the bank and the behavior of supply chain financial model to analyze supply chain finance is how to reduce the risk of loan default SMEs, and how to increase bank lending to SMEs rate. We Take KMV model in measuring credit risk of supply chain finance under empirical research. We can take KMV model to measure the credit risk of the listed companies by the means of a stock price volatility inherent reliability information.At the same time, taking into account the changes in our policy, international environment and greater impact on the situation of China’s securities market, the parameter KMV model policy changes after the set is corrected, then the empirical analysis, empirical results and policy before the comparison. We found KMV model modified to improve the applicability of the credit risk measurement. The last part of the text were reviewed, focusing on the content of the study which summarized and pointed out shortcomings research areas needed to be improved in further future.