The Credit Risk Control Research On Supply Chain Finance Of Commercial Bank

Supply chain finance, as the innovation of the commercial bank credit business mode, is maintaining high-speed development these years. It is of positive significance to each of the participants. At present, influenced by the economic downturn and the enterprise default risk, commercial bank credit risk control is facing great pressure. How to effectively control the risk is the most important part in the development of commercial bank business. Especially after the outbreak of the steel trade industry credit crisis, domestic commercial Banks should draw lessons and clearly recognize that, when doing the supply chain finance business, they must strengthen the credit risk control.First, this paper introduces the meaning of supply chain finance, the difference between the traditional financing model and the supply chain financing model, also introduces the operation mode and main products of supply chain finance. Secondly, this paper analysis the characteristics and causes of the supply chain finance credit risk, and points out the importance to strengthen the credit risk control under the current situation. Thirdly, this paper designs the implementation steps of the supply chain finance credit risk control from the perspective of commercial banks. This part includes summarizing the six key points of the credit risk control of supply chain finance, listing out the detailed steps on how to control risk based on the credit procedure, and discussing the credit risk control system construction. Finally, study and review the credit risk control of supply chain financing practice application of Agricultural Bank of China, to put forward some improvement suggestions on credit risk control of supply chain finance. The purpose of this paper is to improve the existing risk control system from the operational level, and to promote steady development of real economy.