Study On Prevention Of Financial Risks In Supply Chain In China

With the continuous development of our economy, the small and medium-sizedenterprise becomes in the economic activities in the increasingly high, has brought newvitality for our country’s national economy. At the same time, the main force in thedevelopment of small and medium-sized enterprises but also relieve employment pressure inChina, but rather than on China’s economic contribution to the mismatch is, for a long time,the small and medium-sized enterprises have been affected by difficulties in financingconstraints, can not be rapid development. On the other hand, the pace of development ofcommercial banks in China is also accelerating the reform of interest rate marketization,forcing commercial banks to seek new profit growth point, the ongoing financial innovation.In order to keep a space for one person in the fierce competition in the financial markets,commercial banks from China’s actual conditions, starting from the financial market demand,found the small and medium-sized enterprises financing demand of small and medium-sizedenterprises, the general in a large enterprise center, production characteristics of management,the supply chain finance service. With the development of supply chain finance businesscontinues to develop and innovate continuously, now, supply chain finance has become thecredit business in the most popular topic.Supply chain finance although to some extent to solve the financing difficulties of smalland medium-sized enterprises, reduced the credit risk problem in the credit granting processfor small and medium enterprises, but in essence the supply chain finance is the small andmedium-sized enterprise credit risk transfer has become operational risk in financing process,source and the operational risk has many aspects if the node, core enterprise, supply chain ofsmall and medium-sized enterprise, third party logistics enterprises, commercial banks, theseparticipants will be operational risk, operational risk and supply chain finance than othertraditional credit business. Therefore, the risk prevention of financial supply chain is veryimportant. But because of our supply chain finance is still at the initial stage, the commercialbanks looked at in the share of market of race to control this, for improving the financialservice of supply chain and supply chain financial risk prevention work is not enoughattention, so the supply of many problems still exist in the process chain of financial business,risk prevention there is a problem. Therefore, this article from the current situation of the development of supply chain finance of our country, analysis of the causes of the risks ofsupply chain finance, and commercial banks on the supply chain finance business existingrisk prevention are summarized in this business risk prevention, tries to find out problems inthe process, put forward the corresponding settlement measures.