Analysis Of Supply Chain Finance Operation Mode And Risk

With the economic globalization and the development of emerging industries, more profound changes in the economic field, supply chain finance business has gradually become the mainstream direction of economic development. At the same time, between financial institutions and more intense competition, financial innovation, commercial banks need to, open up new business types, get the advantage in the competition and. On the other hand, the problem of financing has been restricting the development of SMEs in China, under this kind of background, supply chain finance business emerge as the times require, the innovation of financial business model this combination by commercial banks and the supply chain effectively put financial services and supply chain management integration, not only brings development funds for the supply chain, but also to the banks and for the development of enterprises to provide a powerful driving force, expand their sources of profit, but also to the future development direction of supply chain.Supply chain finance in our country started late, but after the rapid momentum, have very large development space and opportunities. But because of the early stage of supply chain finance service in our country in the development, whether from the theory of business, legal, market environment, operational mechanism and so on, are still not mature, a variety of supporting mechanisms are not perfect. So, in this premise, in the situation to adapt to economic development, the field of supply chain finance business work much remains to be done, increase the theoretical research, to explore the development trend of supply chain finance and direction, and give the appropriate guidance, so as to supply chain finance business to provide theoretical support and powerful external force in the continuous development of our country, for the supply chain, have the very strong guiding significance to the development of the bank.Supply chain finance involves a wide range, whether the commercial bank, or the enterprises in the supply chain, or is the third party logistics enterprises, is in the supply chain finance business covers range. Once a certain link risk, so for the entire supply chain effect produced by the operation will make great. Risk in supply chain finance business in general is divided into credit risk and operational risk, regardless of what kind, is should try to control in supply chain finance business in. The reality is the current domestic enterprises to the risks of supply chain finance business understanding degree is not high, only to see the great benefits brought by turning a blind eye to business, but to the latent risk. This paper analyzes the differences between traditional supply chain finance and credit risk, the corresponding solutions are put forward from two aspects of credit risk and operational risk, and effectively solve the problem of supply chain risk present in financial development in china.In view of the supply chain financing practice, discusses our country at present the most common supply chain financing, accounts receivable financing mode, discusses in detail the accounts receivable model of business process, supply chain, risk structure and the need to pay attention to the link and so on. Through A company credit insurance products embedding, analysis and discussion of the ultimate success of the realization of this case of trade financing, finally summarizes relevant access conditions to make trade credit insurance in the accounts receivable financing in supply chain under syrian. And analyzed through trade credit insurance for this product, make an inventory of supply chain finance business, enhance the operational efficiency of capital advantages. For the current supply chain financing business in China’s development, specification and development of credit insurance products, has the very good enlightenment.At the same time, in the process of writing this paper, much of the information of the supply chain finance relates to the internal data of commercial banks, not easy to obtain, in the case of do everything in one’s power to collect the relevant data. In the analysis of this problem may not support and empirical analysis more accurate data, resulting in loss of the tightness, these problems need to be continue to improve and solve in the future study and research.