Supply Chain Finance Ecology Model Design And The Study On Risk Management

Supply chain finance is a new model,the core enterprises and the upstream and downstream SMEs are regarded as a whole,commercial banks provide financial services to the whole supply chain.So it solves the problems that financing is difficult for the SMEs.But there are still many deficiencies,such as the lack of model innovation,and the operational risk is high,especially between enterprises and banks.With the continuous innovation and development,the supply chain financial ecology has gradually formed.More and more experts and scholars research the development of supply chain and the problem of risk control from the perspective of financial ecology.This paper mainly introduces the definition and background of supply chain finance,the theory of natural ecosystem and the theory of financial ecosystem.Then the theory of supply chain finance ecology is derived.In the paper,the structure of supply chain financial ecosystem is summarized,including ecology subjects,ecology environment,and supply chain finance integrated service platform.Based on natural ecosystem structure model,supply chain finance ecology model is designed.Compared with the traditional model,the paper finds that the adhesion is higher and the supply chain financial ecological model is more stable.In this paper,VaR model is used to analyze the operational risk,the loss is classified into six categories,the loss database is established,and the results accord with the generalized Pareto distribution.Then the loss distribution of supply chain financial operation risk is obtained.The VaR value is got by using Matlab software.The final result proves that if commercial banks provide financial services for the upstream and downstream enterprises,banks will be prepared for a larger amount of capital.But VaR values of factoring companies and financial leasing companies are much smaller.Therefore,the paper proves that banks should focus on factoring companies and financial leasing companies to strengthen cooperation,and operational risk will be reduced.By analyzing data.It can be seen that the financial ecological environment and large data platform can effectively reduce the operational risk,so the supply chain finance ecology model is better than the traditional supply chain financial model.