Credit Risk Identification And Game Analysis Of Auto Industry Supply Chain Finance

Automobile industry is a key industry in China, occupies a high proportion of GDP.With the rapid development of the automotive industry, while some of the problemsand contradictions have emerged, the automotive industry supply chain financingproblems of SMEs increasingly prominent. Problems and opportunities always exist,commercial banks jointly regulated firms and third-party logistics supply chain nodeenterprises to develop supply chain financial services industry to resolve thisbottleneck. Major commercial banks have been offering automotive industry supplychain finance business to compete for a large automotive industry clients.From the current situation of financial theory and the automotive industry supplychain finance credit risk management,this paper detailedly analyze thecontent,model,features of supply chain finance,and study the automotive industrysupply chain finance major mode of operation of the mechanism and the existence ofcredit risk. First,this paper use the system dynamics theory to built a car industrysupply chain finance credit risk identification model, combined with the actualsituation in the automotive industry supply chain operations caused by the credit riskto analysis the risk factors. Second, this paper build a game model of credit risk, thebehavior of the game on the decision-making chain finance business generated by thebody for a detailed derivation of the banks and finance companies come to the corebusiness and finance business, the core business, finance companies and banks,finance companies, third-party logistics supervision game model between enterprisesand banks. And take the bank of communications as example to analyze the mainfactors and pathways to prevent car dealers and logistics companies conspired toweaken credit risk. Finally, based on the model results, this paper arise the relativesuggestions contrary to the bank level, finance companies and macro economicenvironment level.