The Research On The Comprehensive Evaluation Of The Credit Risk Based On Online Supply Chain Finance

Online supply chain finance is an innovative product based on both supply chainmanagement and industrial entities, and is formed with the development ofinformationalization and Platformization. Many banks, such as Ping An Bank andChina Citic Bank have launched financial services like “online supply chain finance”and “electronic supply chain finance” successively. Unlike traditional bank financingbusiness, online supply chain finance is a typical product of trade financing. Thecredit risk of this type of product can not be evaluated by traditional valuation method.The operation status and future development of the online supply chain finance isclosely related to the effectiveness of credit risk identification. Therefore, this articleis of great significance to the identification and evaluation of the financial credit riskof this innovative product.This article covers the definition and characteristics of online supply chainfinance, the status of platform construction and divides the product into three typicalfinancing modes---receivables financing, accounts receivable financing andinventory financing---with which the credit risks are identified. Also, the articledisplays a comprehensive evaluation method that is comprised with static admissionassessment and dynamic credit assessment, which are exactly adapted to thisinnovative product. This comprehensive method is a guidance for the financingdecisions of banks. Conclusively, the article makes some recommendations about thecredit risk management of the online supply chain finance.