Participants’ Policies And Risk Assessment Of Confirmed Warehouse Financing Based On Supply Chain Finance

With the development of innovative financial services, supply chain finance businesshas developed in full swing. Supply chain finance business not only solve the problem oflack of funds for SMEs, but also strengthen the ability of core suppliers to grasp theentire supply chain, and provide convenient for commercial banks to develop customerswith great size and create a new profit growth point. In the supply chain transactions,suppliers in a strong position required the retailers to payment before delivery. Sinceconfirmed warehouse financing model can effectively solve the problem of SMEs, weselected confirmed warehouse financing model as research subject.However, in the process of confirmed warehouse financing model, there are alsosome problems that restrict its long-term and sTab. development. On the one hand,uncoordinated supply chain finance will lead to unreasonable income distribution system;on the other hand, commercial banks lack effective evaluation criteria against confirmedwarehouse financing, leading to adverse selection and moral hazard.In order to research the coordination of confirmed warehouse financing and riskassessment of commercial bank, achieve sustainable development, this paper studiedconfirmed warehouse financing from revenue sharing contract, repurchase guaranteesand credit risk assessment. The main work is as follows: First, This article havecomprehensively analyses the processes and applicable objects of confirmed warehousefinancing on the basic of supply chain finance’s concepts and practice, and pointed outsome problems existing in confirmed warehouse financing. Secondly, analyzed thecoordination and involved parties’ policies under revenue sharing contract underwarehouse financing model and compared with the traditional lending model. Again,further researched suppliers repurchase coordination and the strategies of parties involvedin the supply chain. Finally, established credit risk evaluation systems for confirmedwarehouse financing by using a multi-level fuzzy evaluation method and use numericalexamples to prove the feasibility and applicability of these systems.