Research On Supply Chain Finance Credit Risk Evaluation And Spread

Supply chain finance is a new finance mode. It can make the best of the resources to provide enterprises in supply chain with reliable funds. It can help small enterprises effectively solve the problem of financing difficulties of and promote win-win situation for small enterprises、core enterprises and commercial banks.However, supply chain finance also enlarge the risk of commercial banks. Therefore, if commercial banks want to smoothly develop supply chain finance business, the key lies in how to effectively manage the supply chain finance credit risk. All in all, we systematically analyze supply chain finance credit risk evaluation and spread.Firstly, we analyze the supply chain finance participations and supply chain financial credit risk sources and get four factors which influence the supply chain financial credit risk. Then we delve into the evaluation of supply chain finance credit risk of commercial banks and the current supply chain financial credit risk evaluation index content built by scholars both at home and abroad and sum up current theoretical research results and practical experience, and put forward new innovative risk evaluation index. And then according to four influencing factors, summarized achievements and innovation index, we list all reasonable evaluation indexes. Finally we screen index and build the evaluation index system of supply chain financial credit risk.On this basis, we compare the characteristics of a variety of credit risk evaluation methods. And based on the characteristics of supply chain finance, we chose the Logistic risk evaluation model. Then we respectively evaluate credit risk under the supply chain finance credit risk evaluation index system, the traditional commercial bank credit risk evaluation index system and existing literature researched supply chain finance credit risk evaluation index system. Finally, the evaluation results are compared. And we prove the feasibility and superiority of supply chain finance credit risk evaluation model.After evaluating the credit risk and determining the risk enterprises, we analyze the feature of classical model of virus spread theory. And according to the actual situation of bank risk evaluation we clear about the superiority of SI virus spreading model in supply chain finance credit risk. Later, we use the principle of SI virus model, and build financial credit risk spreading model. Then we continue to study how the risk affecting other enterprises in the supply chain network, how the risk spreading in the whole network and what the propagation characteristics of specific risk is. Finally we point the meaning of the research on supply chain finance credit.