Optimization Of Credit Risk System In Small And Medium-Sized Enterprises In The Supply Chain Finance

With the rapid development of Internet and mobile Internet technology and network technology services in full swing market competition has become increasingly fierce,especially in the rapid development of Internet banking today,competition among enterprises has evolved into a competition between the enterprises located throughout the supply chain.Throughout the enterprise by different nodes of the supply chain in order to reduce costs,increase sales,and improve their market competitiveness,the need for supply chain finance has become even more urgent.Supply chain businesses are hoping to save their own costs,increase market share,but in supply chain finance business of commercial banks in China often takes into account the profit does not take into account the risk of supply chain finance real risks,some commercial banks still have to bear huge losses,so this issue attracted the attention of many scholars.So we need to supply chain finance credit risk assessment and prevention system research and implement a financial credit risk evaluation system of supply chain based on banks and finance companies ' behavior,provides a guiding role,and probability of reducing credit risk,minimize the loss of Bank,to promote the healthy and stable development of supply chain finance in China.This paper mainly discusses supply chain finance credit risk assessment research,proposed method of evaluating credit risk.First,supply chain finance and supply chain finance credit was introduced the concept of risk and related theories,supply chain finance,financing and participants,and then focuses on the origin and characteristics of supply chain finance credit risk.And then introduces the supply chain finance credit risk measurement methods,applicability of methods applicable scenarios,as well as in China.Once again,the paper established a three-level supply chain finance credit risk evaluation indicators,metrics using principal component analysis and LOGISTIC regression analysis,found the main index measure credit risk:development of operational metrics,profitability index,indexes and debt targets four main indicators.By SPSS statistical software to a preliminary statistical analysis index system,and getting results.Finally,PHP,HTML and other Web languages and MySQL database will access the supply chain risk assessment system.And analysis results are confirmed with the results by SPSS.To sum up,supply chain design and successful implementation of the financial credit risk assessment system,this supply chain for the future financial development and supply chain companies and commercial banks have a lot of benefits of supply chain finance development of credit risk assessment of significance.