Research On Credit Risk Evaluation Of Online Supply Chain Finance In Commercial Bank Based On Small And Medium-sized Enterprises

In recent years, small and medium-sized enterprises have sprung up to flourish, and became an important part of the national economy.But because of its weakness of management, finance and mortgage, it’s difficult to get financial support from commercial Banks. The birth of the supply chain finance alleviate the dilemma effectively, and also become the focus of experts and scholars. However, with the development of supply chain finance for more than ten years, the examination and approval procedures for heavy and complicated, inefficient defects such as growing, coupled with the era of ‘Internet +’, it is imperative to upgrade supply chain finance. Pingan Bank(original of Shenzhen Development Bank), China Merchants Bank and Bank of China have launched the related online services, such as ‘online supply chain finance’ ‘electronic supply chain finance’, in order to make up for the inadequacy of traditional serves. Online supply chain finance is the new trend of the coordinated development of information technology between the financial industry and the real industry.It is also a innovative financial product which can meet the low cost, high efficiency and high benefit.At present, the academic study of online supply chain finance is very little, so in this paper, the research on the long way to go.In this paper, we analyze the cause of the online financial credit risk of supply chain, review the existing literature supply chain finance credit risk evaluation index, and then on this basis, combining with the characteristics of online financial supply chain, design the online financial supply chain based on small and medium-sized enterprises credit risk evaluation index system. Then using the robust regression, Logistic model to online supply chain finance make reasonable credit risk assessment and verify. On the one hand, this paper expounds the design of index system and evaluation model is feasible, practicability and superiority.On the other hand this paper also provides some ideas for commercial Banks to develop online supply chain finance business better.