Automotive Supply Chain Financial Model And Risk Control In Z Bank

Since the reform and opening up, with the improvement of people's material conditions, for vehicles as a means of transport is increasing, many international well-known car brands have entered the China market, China's automotive production and sales increased year by year; during the beginning of the 21st century, China's rapid rise of production let it be the largest automobile country, auto industry also ushered in the unprecedented opportunities for development, the importance of circulation of automotive sales and service sectors is more obvious, the development of automotive supply chain models is the most eye-catching bright during the automobile industry booming.In the vigorous development of the automotive industry at the same time, the automotive supply chain financial services, has gradually been developed and improved, automotive supply chain finance model by the initial integration of manufacturing and marketing mode, and gradually developed as the pluralistic modes conclude vehicle manufacturers, distributors, suppliers, the tripartite regulatory agencies and so on. Commercial Banks often involved in automotive credit, but from the perspective of financial risk control, automotive manufacturers often help car dealers and banks manage these automotive inventory, if the car dealer is not on time payment, the bank shall have the right of these inventory. The key of this kind of automotive supply chain finance model risk control is to keep the automotive certificate, and take corresponding measures to control the automotive. But in the process, caused by a lack of supervision, inventory vehicle producer is undeserved, cause the receivable difficulties and automotive sold without permission, and bring financial risks. To this end, Banks need to do effective management and control on automotive supply chain financial services.Firstly, through course of development of China's automotive supply chain finance research, described the importance of automotive supply chain finance for the banking industry, then study the Z bank automotive supply chain finance models, and analyze the structure, and the advantages and disadvantages about the accounts receivable financing mode and inventory financing modes; then for these modes existing problems put forward improvement measures of fine management, while using AHP method in one of the most important links of automotive supply chain finance:Car dealership rating, At last, through the VaR method, the risk coefficient is small, and the benefit is high. Thus, it reduce the risk of Z bank's automotive supply chain finance business, and improves the comprehensive income of the business, which has a very important practical significance.