Empirical Study Of Supply Chain Finance Credit Risk Based On Logistic Model

Under the background of the development of the supply chain,the credit model of supply chain finance is a kind of new financial products arises at the historic moment.Commercial Banks want to get growth of profit in order to improving and expanding business,so they committed to develop and expand the supply chain finance business,the supply chain finance business has become the competition among commercial Banks.Supply chain finance is a new breakthrough basing on the traditional model of commercial bank credit,taking a win-win situation between supply chain each participation main body and banks.At present our country the development of supply chain finance business is still in its infancy,the supply chain business process of supply chain finance did not establish scientific and perfect the evaluation system of credit risk,so how to evaluate and control the credit risk is the foundation of supply chain finance business to the steady development.The scientific and effective evaluation of supply chain finance credit risk is to eliminate the moral risk,information asymmetry and adverse selection,which will guarantee the credit risk down,and make bank have correctly credit decisions,also can effectively alleviate the financing difficulties of financing enterprises,promote the healthy development of the whole supply chain enterprises.In this paper,establishing a Logistic model is to evaluate the supply chain finance business in that may exist in the process of credit risk.Firstly introduce the concept and theory of supply chain finance related,explain the meaning of the meaning of supply chain finance and its credit risk,concrete analysis of supply chain finance credit risk in the process of different theories,and compare the supply chain finance with traditional financial to expounds the superiority of the supply chain finance business;Secondly,through the concrete analysis of the main financing model of supply chain finance and participate in the main body,and the supply chain financial reasons and characteristics of credit risk,point out that supply chain finance mediator against the storehouse financing model,financing storehouse financing model,and accounts receivable financing mode in the supply chain of each participation main body participation process in the whole process of financing,and generate the link in the credit risk,to establish the theoretical basis for the financial evaluation index system of credit risk in supply chain;The Logistic model is established through the empirical analysis,evaluation and measurement in the supply chain financing,the credit risk of the enterprise,including selecting the 26 home small plates of agricultural listed companies as samples,basing enterprise,the core enterprise in thesupply chain financing,the qualifications of third party logistics enterprise and supply chain operations,establish the credit evaluation index system,using principal component analysis to extract the principal component factors,the credit evaluation index F value is as explained variable,the principal component factors as explanatory variables,establish a Logistic model,in order to measure and evaluate the credit risk in enterprises in the supply chain financing,at last Suggestions are put forward according to the supply chain of financial credit risk prevention.