The Study On Credit Risk Of Supply Chain Finance

Banks continue to carry on business innovation and expand market share in the competitive atmosphere. SME financing difficulties hinder its development. In this case, the government attaches great importance to the issue of financing for SME and the bank seize this opportunity to respond to the national policy for business innovation, supplying chain financial service, opening up SME financing market and easing financing problems. But the domestic supply chain finance developed relatively late and some measures are not perfect, the major banks in order to compete in this new market, in the case of failure to complete the establishment of credit risk management system, increasing the core business line of credit backed by SME. Comparing Supply chain finance to the traditional credit model, the sources of risk may be very different and the risk may increase. If the bank did not credit the risk of supply chain finance for effective management, blindly expanding business market share, the bank will probably be in trouble which affecting the entire banking system. Therefore, credit risk management for the good development of supply chain finance is essential.Today, few scholars make certain recommendations for improvement with case studies and demonstration after comprehensive and detailed analysis. This paper, the overall macro-economic environment as a background, combined with relevant theory of credit risk of supply chain finance, from a theoretical analysis of the bank’s supply chain finance, with all participants to summarize the credit risk that may exist to identify links. At the same participants after each evaluation factor analysis, drawing supply chain finance credit risk assessment system has been constructed for academic credit risk assessment. In addition, the combination of credit risk point, a method and recommendations from previous loans, the loan after loan in the credit risk control. Finally, case studies, validating the theoretical content, supply chain finance for credit risk evaluation index system for reference recommendations for improvement, and credit risk management measures are thinking and reasoning, with a view to the major banks supply chain finance model credit risk management to provide a reference.