A Study On The Credit Risk Evaluation Of Auto Parts Enterprises Based On Supply Chain Finance

The automobile industry occupies an important position in national economy structure of our country, it has become a pillar industry of national economy in our country. Auto industry development level is to measure the level of the overall development of China’s manufacturing industry an important symbol. Auto parts enterprises is the automobile industry chain upstream node enterprise, its development status restricts the developing of the whole car industry go ahead. Against the background of the transformation of the mode of the development of national economy and international competition is increasingly fierce,auto parts enterprises developing go ahead faces many obstacles and thousand-fold difficulties. Hinder the development of many factors, financial difficulty has always been difficult to bypass a sticking point. Except small scale and their own lack of primitive accumulation, more important reason is that the financial service system is not perfect,especially under the traditional bank credit system, as a result of auto parts enterprises lack collateral available real estate, its credit is very little. In recent years, supply chain finance service plan development is developing rapidly, it has become a successful innovation of solving auto parts enterprises financing adversity.Involved in supply chain financial innovation scheme, it exsits an important problem is credit risk evaluation of supply chain finance mode. It is vital for Banks to carry out the supply chain finance business, as the correct credit risk evaluation, it directly effect the security of bank operations. Therefore in this article take commercial Banks to carry out the auto parts enterprises of supply chain finance business credit risk as the research object, using literature research methods of qualitative analysis and empirical research, plans to set up auto parts enterprise based on supply chain financial credit risk evaluation index system and evaluation mode, so as provides bank commercial correct evaluation of the credit risk with beneficial reference. Firstly, the article combed the supply chain finance and its credit risk evaluation research literature, illustrates the research status at home and abroad; Secondly,this article expounds the supply chain finance credit risk related theory, laid the theoretical basis of credit risk evaluation; At last, through the analysis of the automotive supply chain and its characteristics, Sum up out of the auto parts enterprises the main factors that influence the financial credit risk of the supply chain. On this basis, build up auto parts enterprise creditrisk evaluation index system based on supply chain finance, and then, by comparing the pros and cons of main credit risk evaluation method, choose the suitable evaluation methods. On the basis of the selection of samples and the collected sample data, using principal component analysis and logistic regression analysis method, set up auto parts enterprises credit risk evaluation mode based on supply chain finance.Finally, look at a auto parts enterprises in ganzhou, for example. Through comparing with the financial mode in supply chain and keep the probability of more traditional credit mode to get the conclusion of supply chain finance model under its credit probability higher,reveals the financial mode of supply chain can enhance the effect of auto parts enterprise credit, in favour of getting through the supply chain financial mode solve the problem of auto parts enterprises financing difficulties, moreover, the credit risk evaluation mode of supply chain finance mode can more accurately evaluate comprehensive real credit risk of auto parts enterprises, provide commercial Banks correct evaluation credit risk with beneficial reference.