Research On Enterprise Risk Assessment From The Perspective Of Supply Chain Finance

This paper in from the perspective of supply chain finance of commercial banks how to evaluate enterprise risk and to enhance the bank in the supply chain financing business risk management capabilities, in order to achieve the purpose of sustainable development of the commercial banks, but also to enable banks to better serve the real economy, service of small and medium-sized enterprises. Through the combined method of literature research, qualitative analysis and quantitative analysis, expounds the connotation of financial supply chain, mode and risk management. Through the Bank of communications manufacturers silver case demonstrates the commercial banks from the perspective of supply chain finance should be and how to evaluate the enterprise risk, finally draw the conclusion that in the members of the supply chain upstream and downstream of the small and medium-sized enterprises and commercial banks, the credit assessment and not with the traditional credit as stand alone credit analysis. From the perspective of supply chain finance, relative to the bank’s traditional credit analysis model, commercial banks to enterprises in the status of member enterprises in risk assessment, in addition to make an analysis of its background, operating conditions and financial condition of the, also need according to evaluating its counterparties qualification is the core enterprise of industry, business /management status, financial condition and other analysis and evaluation, combined with the different financing modes with supply chain logistics, capital flow and credit self liquidating were used to evaluate the security and the logistics, and the final form of member enterprise debt rating and as a basis for credit for small and medium-sized enterprise members.