The Research On Financing Risk Management Of Inventory Goods

No qualified credit rating and limited collateral secured by real estate or a third-party guarantee are the main reasons causing the financing difficulties of SMEs. To effectively solve this problem, in recent years inventory financing business has risen up in china, and gradually becomes the model of business integration, integrated operation between different industries. Especially the inventory financing business run by finance companies, logistics companies and banks refers to the business activities, an enterprise pledging raw materials, semi-finished products and inventory such as collateral to obtain bank loans, while being under the supervision and management of third-party logistics enterprises with lawful custody of chattel qualified collateral. It not only plays an important role in promoting the breakthrough of funding "bottleneck" and the successful implementation of integrated logistics and cash flow, but also has practical significance in promoting the development of third-party logistics and SMEs. Thus, inventory financing business in China has a very broad prospect.Current research on inventory financing is mainly based on the study of its business connotation and the design of credit contracts, while the theoretical studies about how banks exert their own functions and strengths adequately, how to improve regulation of inventory financing business as well as risk identification and avoidance, etc. are less and limited to the discussion of advantages and effects. This study starts from the point mentioned above, trying to analyze the business mode, possible risk identification and related control method of the inventory business from commercial bank perspective. Meanwhile, according to the existing problems of current inventory financing business and some thoughts on the financing business, we put forward some ideas and suggestions from the aspect of legislation and practice in all directions.This paper first introduces the background and significance of selected topic, the research content, and research methods, at the same time outlines the innovation and shortcomings of the study. Secondly, this paper describes the inventory financing business from four aspects:concepts and features, types, operational processes and the significance of inventory financing, and then introduces the operation mode of inventory financing from the perspective of domestic and foreign. Thirdly, it inspects the development and status of inventory financing business, trying to point out the existing problems of current inventory financing, namely the lack of an optimal set of business solutions, information sharing shortage and insufficient capacity to serve the entire supply chain. Then, points out that the inventory financing risk in the "latency","attack","deterioration" in three different stages of recognition, and based on the principle of choosing a scientific, systematic and operability of the evaluation index, from the view of macro and industry system risk, supply chain risk, credit risk, system inventory guarantee liquidity risk and operational risk, build commodity financing risk evaluation index system of inventory. Then, the specific steps are given inventory financing risk evaluation, and taking B enterprise as a case of a multi-level multi-objective linear weight function evaluation.Finally, putting forward some thinking and suggestions from five aspects of the strengthening of environmental policy and law risk management, establish and improve the credit risk management system, the establishment of emergency response mechanism and information sharing system, the supply chain system and enhance the risk of internal risk management awareness and putting forward risk control of inventory financing risks in three aspects such as the access system, risk control, risk control and execution of contract design.We hope this article will provide some ideas for the further study of inventory financing business and the actual supervision of commercial banks to complete the work better.