Analysis Of Commercial Bank Credit Risk Management Of Supply Chain Finance

Supply chain finance is a Comprehensive system financing solutions to make thesupply chain capital flow alive and reduce the whole financial cost of supply chain, itis provided by the commercial banks and other financial institutions from supplychain overall perspective. Supply chain finance is market oriented by middle andsmall-sized enterprises to help those enterprises alleviate pressure of the fund throughfinancing and Solve the problem of the funding gap. To develop research of supplychain finance credit risk assessment research and risk avoidance strategies, it hasimportant reference value to solve the problem of supply chain finance business riskmanagement of commercial bank.First, we analyzed three major modes of the current supply chain financebusiness for Commercial Bank and the financial risk management, and discussed theinfluence factor of supply chain finance credit risk and the scoring rules of theassessment index. This part is the basic for commercial bank to construct supply chainfinance credit risk assessment index system.Secondly, according to the characteristics and the object under the supply chainfinance business, we extracted the main index of supply chain finance credit riskassessment, and built a new commercial bank credit risk assessment index system.Thirdly, the analytic hierarchy process theory to improve the application of thegrey system, determine the credit risk evaluation index system and weight. That is toemploy the same industry experts, has affiliations of financial credit risk to the targetobjective analysis, constructing judgment matrix, with the biggest feature whiteningmatrix values corresponding eigenvalues as weight, finally through the consistency check to determine whether to correct judgment matrix, the method of evaluationindex for each level, the final the weight of all index value.Then, in the Hunan province of supply chain finance credit risk assessmentanalysis, namely, for a particular enterprise supply chain system, according to the riskassessment of financial credit method to get the corresponding evaluation index andindex weight, And compared with the traditional financing credit evaluation, greyevaluation to assess that supply chain finance credit risk better. At the same time, itcan employ different industry and Commercial Bank experts for its scoring andclassification of different types of supply chain, customers, the better to avoiddifferent industry supply chain finance credit risk.Finally, based on the analysis of supply chain finance business of CommercialBank of Hunan province, we can find out the existing problems, and put forward tocorresponding strategies and suggestions of risk averse. Especially, we determinedadvantage target management system of the Commercial Bank of Hunan province,comprehensive evaluation system of credit enterprises subject access and transactionquality, and dynamic optimization and adjustment credit risk evaluation index systemof supply chain for Commercial Bank of Hunan province, and construct the suitablesupply chain credit risk early warning system and facilities.