| Supply chain finance is an important financial innovation, and benefits all participator in the financing relationship. It improves the bank's profit model, enhances the maid enterprise's competitiveness in the supply chain, and consolidates the relations between banks and enterprises, so as to reduce the risk of bank credit. At the same time, supply chain finance enhances the credit of small and medium enterprises, eventually reduces the cost of financing. Finally, supply chain finance creates a new development space and business direction for the logistics enterprises. The credit risk of small and medium enterprises is the primary risk of supply chain financing, the research on the credit risk assessment of small and medium enterprises based on supply chain finance is seriously insufficient. Based on this background, the paper studies the credit risk assessment of small and medium enterprises in supply chain finance.The 5 main factors affecting the credit risk of small and medium-sized enterprises on supply chain finance are determined by the evaluation theory of credit 5C, and defined as the first level indicator. Combined credit risk with previous studies, select the relevant second level indicators and third level indicators, then establish a reasonable, representative and comprehensive evaluation index system of credit risk. Through the comparative analysis of index weight method and risk evaluation method, and based on the characteristics of the index system, the fuzzy comprehensive evaluation method is determined as the evaluation method of the credit risk.With the establishment of supply chain finance SMEs credit risk evaluation system, the lock company based on Supply Chain Finance and traditional finance credit risk assessment. In order to demonstrate the practicality of the index system and the evaluation method, it also provides some reference for the commercial banks to choose the cooperation of small and medium-sized enterprises. |
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