Research On Evaluation Of Credit Risk For Small And Medium-sized Enterprises Based On The Perspective Of Supply Chain Financing

Small and medium-sized enterprises(SMEs) account for99%of the number of total enterprises, which plays an indispensable role in the development of our national economy. But the contribution and credit support of SMEs is not proportional, capital is always trouble for SMES, it has become the most important issue that hinder its development. As the competition in the banks is constantly changing, SMEs has become the strategic target of the development of commercial banks, if we can find scientific methods to evaluate the credit, to control the risk, and to provide financing for small and medium-sized enterprises, that would be able to bring new chances and profit for Banks. Supply chain financing model arises under this background, banks carry out comprehensive credit for SMES enterprises based on the perspective of supply chain, and transfer the risk management for single enterprise to supply chain risk management, and emphasizes the real stability, supply chain business background and trusted business partner information and strength, which will transform the credit risk from the single enterprise to the whole supply chain system.This article first elaborated the research background, significance and train of thought, the relevant literature review, which in turn raises the concept and connotation of theory of supply chain finance in detail. And analyzes the supply chain financing mode of small and medium-sized enterprises credit risk, using the analytic hierarchy process (AHP) to construct the supply chain financing mode of small and medium-sized enterprise credit risk evaluation system,combined with the specific case for small and medium-sized enterprises in the supply chain financing mode and the traditional financing mode to evaluate credit risk, and comparative analysis, highlights the advantages of supply chain financing.