Research On The Risk Of Small And Medium Enterprise Supply Chain Finance

Small and medium-sized enterprises play an irreplaceable role in our country’seconomic and social development. Since the reforming and opening up, especiallyentering the new century，small and medium-sized enterprises continue to grow stronger,and play an increasingly heavy role in economic prosperity, at the same time, they help alot in increasing employment, promoting innovation and improving people’s livelihood.Small and medium-sized enterprises is the main driving force in supporting the nationalsustained economic growth but its financing difficulties has been need urgently to solvethe problem..Since the2008financial crisis, the domestic commercial Banks have launchedproducts of supply chain financing; it is the hope of these small and medium-sizedenterprises that is difficult to get enough financing in the past. Supply chain financebusiness disperses the financing risk of commercial Banks to the logistics enterprise, thecore enterprise and supply chain upstream and downstream of related enterprises, and notlimits to examine the credit risk only through the individual enterprise, which iseffectively turning capital credit granted to small and medium-sized enterprises that need.The financing pattern of Supply chain finance designs by making full use of the supplychain and the characteristics of small and medium-sized enterprises, thus it turns to aneffective way of solving the financing problems of small and medium-sized enterprises inour country.In this paper, on the basis of existing research results, different from the past that thestudy the assessment of credit risk of supply chain to rely too much on expert opinion,and hard to establish model scientific and effective risk factor weight limitations, weestablish the support vector machine (SVM) and Logistic model to analyze the small andmedium-sized enterprise supply chain financing risk and deeply study the risk of smalland medium-sized enterprise supply chain financing standing in the point of view ofcommercial bank. Based on the existing risk index system of small and medium-sizedenterprises, we establish our small and medium-sized enterprise financing risk evaluationindex system of the supply chain. After the empirical analysis and verification, the resultsshow,in terms of financing for small and medium-sized enterprise supply chain risk evaluation, that the two models all perform well in the form of maneuverability but SVMmodel in the aspect of quantitative predict whether enterprise performance moreaccurately than the Logistic regression model.This paper can be divided into six chapters. The first chapter is the introduction,which introduces the thesis research background, significance, thinking and researchmethods, as well as domestic and foreign research present situation of financing of smalland medium-sized enterprises under the perspective of supply chain. The second chapterdefines the definition of supply chain and supply chain financing, and the theory ofsupply chain finance review, which laid a theoretical foundation for the followingresearch. The third chapter analysis the influence factors and its risk of small andmedium-sized enterprise financing under the perspective of supply chain. The fourthchapter is the selection of small and medium-sized enterprise supply chain financing riskevaluation index, in this paper, we introduce the principle of selecting indicators,indicators of screening, as well as the construction of index system. The fifth chapter isthe establishment of risk evaluation model, we analysis the risk of small andmedium-sized enterprise supply chain financing using Logistic model, and based onsupport vector machine (SVM) model, and also comparing the results of two models. Thesixth chapter is the summary and enlightenment of the article, in this part; we concludethe main point of the full text and put forward corresponding suggestions on commercialbanks, which has certain actual application value.