Research On Risk Management Of A Bank Supply Chain Finance

In today's market economy is booming,China's small and medium enterprises have occupied half of the national economy,with the gradual opening of the market,competition between enterprises into a white-hot stage,in order to find a new entry point,supply chain finance this financial innovation came into being.Supply chain financing is a financing method based on the overall solution of stock and cash flow control based on the relationship between the core business of the supply chain and the related upstream and downstream supporting enterprises as a whole,according to the transaction relation and industry characteristics of the supply chain,the supply chain financial risk is the uncertainty of the loss of financial institutions such as banks in the supply chain financing process when providing financial services.Due to the uncertainties and more and more complex financial risks,it has become a key issue to restrict the financial development of supply chain.In order to strengthen the supply chain financial business,the risk management of the supply chain financial business is also extremely important.This paper summarizes the main problems in the process of financial risk management of supply chain by analyzing and analyzing the current situation of supply chain financial risk management and the current situation and risk management of a bank supply chain finance.First,the supply chain finance in the production of receivables can be recovered on time is a focus of supply chain financial risk management.Second,the supply chain financial business credit approval system is flawed,there is no supply chain finance specifically to establish credit approval system,the supply chain financial business will be regarded as the traditional credit business.Third,the credit rating is not detailed,there is no set of credit for the supply chain business rating system.Fourth,electronic,information level to be improved.Fifth,the supply chain financial business risk prevention system is not standardized,there is no relevant norms and policies.Through the analysis of the present situation of the supply chain financial risk management system,the problems and shortcomings of the financial risk management of the supply chain in the commercial banks are found out,and the countermeasures for the commercial banks are given.Based on the analysis and research on supply chain finance of commercial banks,this paper sets out the credit approval for supply chain finance from the aspects of accounts receivable management,credit and approval system,risk management supervision system,management operation platform and credit rating respectively system,and perfect risk management and supervision system,which refined the credit rating of supply chain finance.More than a bank,most domestic commercial banks only see the rapid development of supply chain financial business,bringing huge benefits,often overlooked the potential risks of supply chain finance exists.The countermeasures of this paper are aimed at the lack of financial risk management of the case bank supply chain,but it is of great significance and hope for the financial risk management of supply chain in China's banking industry.