Research On Credit Risk Assessment Of Accounts Receivable Financing Model Under Supply Chain Finance

The small and medium-sized enterprise supply chain finance accounts receivable financing is the analysis on the downstream business transaction structure within the supply chain based on cash flow,consider the stability of SME operating in the process of development,to the time of the transaction and downstream of the core enterprise accounts receivable pledge,to provide supply chain financing service.The implementation of this service needs stability in the supply chain upstream and downstream enterprises,and trading activities and the authenticity of the core enterprise's strength,level of assurance.However,due to the financial supply chain risk of small and medium-sized enterprises to their own conditions and the commercial bank understanding deviation,cause the commercial bank to the supply chain finance of small and medium-sized enterprises should be carried out under the condition of the just passable receivable financing business in our country,the low utilization rate of accounts receivable should be made on the supply chain of small and medium-sized enterprises are facing great difficulties in capital flow.So a reasonable evaluation system to commercial banks as a rational assessment of SME supply chain finance accounts receivable financing credit risk and avoid the risk of accounts receivable should promote the utilization rate of the premise,is the key to ensure a steady flow of funds of small and medium sized enterprises.Based on this,this article through and summary on the related literature,explains the supply chain and supply chain financial means,analyzes its operation mode,and summarizes the current difficulties in financing for small and medium enterprises and commercial banks in the supply chain finance accounts receivable financing problems.This paper is based on the supply chain finance theory,using literature analysis and empirical analysis,starting from the perspective of commercial banks,targeted research and development of small and medium-sized enterprises under the supply chain finance accounts receivable financing business credit risk,establish credit risk assessment index system of the core enterprise,the system not only for small and medium-sized enterprises to evaluate the added downstream supply chain factors,namely the comprehensive evaluation and evaluation considering main debt,will be small and medium-sized enterprises,the core enterprises and the whole supply chain and the quality of accounts receivable as a variable.In China's small and medium-sized board listing Corporation as a sample Logistic regression method and comprehensive evaluation of small and medium sized enterprises based on accountsreceivable credit risk for commercial banks to carry out the supply chain finance of small and medium-sized enterprises accounts receivable financing business provides a set of effective risk assessment model,to provide strong theoretical support for the supply chain finance business.