The Recognition And Evaluation On The Risks Of Supply Chain Finance From The Prospective Of Commercial Banks

Supply chain finance produce development is not from the industrial structure and the mature supply chain background under supply chain overall financial cost minimization of internal demand, but the root in the small and medium-sized enterprise breakthrough financing predicament of urgent demand and the expansion of the scale of the small and medium-sized commercial banks impulse. In the first few years of our country, it has eased the financial strain of the small and medium-sized enterprises of our country, and also increased the loan business of the commercial bank. However, with China's financial system continuous improvement and economic growth slowed down, the risk of supply chain finance growing, not only seriously affect the business performance of the commercial banks, extent, also affected the development of certain industries in China. The based on Perspective of commercial banks, in reason on the basis of supply chain finance theory and commercial banking business practice, find out the supply chain financing risk and risk formation, constructing supply chain risk evaluation index system and quantitative assessment of risk, and finally puts forward suggestions of risk control, to the healthy development of commercial bank supply chain financing business benefit.The main content of this paper includes four parts:the first part, in this paper on the basis of supply chain finance related concepts, discusses the characteristics of the supply chain finance, commercial banks and the main mode to carry out the supply chain finance business. The second part, premise in the concept of supply chain financial risk analysis, and discusses the supplies chain financial external environment risk and operational risk, focusing on the supply chain finance don't in the risk mechanism of the traditional credit risk system, accounts receivable financing, the advance payment financing and bank+business financing three model as an example of supply chain finance the operation of the project risks were identified, based on the supply chain financial risk generated published his own views. In the third part, considering the financial risk of supply chain, the evaluation index system of supply chain financial risk is constructed, and the different weights of each index are determined by the analytic hierarchy process and factor analysis method. The fourth part, the theory with practice, select the typical case of the supply chain of financial risk analysis and quantitative evaluation of the supply chain financial risk. The fifth part, based on the analysis of the above conclusion, have a definite object in view, and puts forward the supply chain of financial risk management and control of some countermeasures and suggestions.Innovation of this paper has three main points:first, in conjunction with the development of Internet banking, bank+business model as a model of supply chain finance are described, analyzed the mode of operation and risk control points. Second, the analysis of the commercial banks in different supply chain financial model of credit risk point, a detailed interpretation of the causes of the supply chain financial risks. Combined with the real cases in their work, the risk of supply chain finance is analyzed. Third, the evaluation index system of supply chain finance is constructed, and the weight of each index is determined by analytic hierarchy process and factor analysis method, and the risk of supply chain finance is evaluated quantitatively.