Financing Risk Management Of Downstream Supply Chain Of Bus Company

After years of rapid development, China’s economy has entered the "6" era, the economic growth rate slowed down in 2015. Investment in the government investment in fixed assets is still carried out, but the amount of investment in the year by year, the investment in railway construction is increasing, in recent years, the government is vigorously promoting the construction of high-speed rail and urban rail transportation, the railway company in 2014 has been third times up to the railway fixed assets investment plan. After ten years of rapid development of the bus industry, with the rapid development of high-speed rail, passenger market demand reduction, while the gross profit margin, payment mode of the rapid rise of the bus market, which has great challenges to the profitability of the passenger car manufacturers and accounts receivable management level, a large part of the manufacturers adjust strategy, select the downstream supply chain financing to solve the problem, in order to continue to enhance market share and order contribution rate. At present, the supply chain financing of commercial banks is required to provide guarantee for the passenger car manufacturer, the risk is borne by the manufacturer, and it is how to make full use of the financing products, to ensure the effective control of the risk.Different from other papers that are from the perspective of commercial banks, this thesis describes the application of risk management in the supply chain financing of the lower reaches of the bus. Domestic mainstream bus manufacturer Yutong Bus, Suzhou Jinlong, Xiamen Golden Dragon, Xiamen Golden Dragon, Tong bus, Futian bus etc., for these manufacturers, downstream supply chain financing are not fresh products, and the manufacturers will downstream supply chain financing as a means to promote product sales growing, but rarely consider how to manage risk, or few manufacturers in thinking about how the system of risk management and control, to ensure that corporate profits are not eroded.In this paper, on the basis of the theory of risk management of the by cash flow analysis is introduced into the risk management, and combining with the practice, the quantitative analysis model of credit rating system applied to bus customers in the rating, to determine the customers and orders for the risk control measures, also is system describes the application of loan examination management in bus downstream in the supply chain financing, in order to find out the potential risks, prevention and timely, and analyzed in the credit risk management and how hierarchical classification collection, in order to defuse the risks.At the same time, combined with the latest industry practice, this paper studies the supply chain financing risk management in the downstream supply chain, and provides the basic data for other enterprises in the industry. The shortage of this paper is that the lack of the supply chain financing analysis and research in the downstream supply chain is difficult for the industry to provide reference and suggestion for the industry.