Research On Supply Chain Financial Credit Risk Of Urban Commercial Banks In Shandong Province

With the continuous progress of society,the economic level continues to improve,the market competition is more and more intense,the same industry competition has been transferred to the supply chain competition.Supply chain in different enterprises in order to maximize the expansion of market share,reduce production costs,consolidate the status of the industry,the urgent need for supply chain financial business.Local city commercial banks have made great efforts to implement the supply chain financial business,not only for the financing of SMEs to provide a new solution to the problem,and supply chain financial business has also been rapid development.Shandong city commercial banks supply chain financial business is active operation,the local economic development,financing of small and medium enterprises play a significant role in promoting.Due to the late development of the supply chain finance business of commercial banks,is still in the exploratory stage,so the vast majority of commercial banks also include local city commercial banks do not have a mature and perfect credit risk management system,coupled with the development of supply chain Financial technology means more backward,the domestic market economic system is still not sound and the weak awareness of the relevant government departments,making the domestic city commercial banks in the business needs to face a great credit risk crisis.Therefore,we should be on the supply chain financial business-related content to do in-depth study,reduce the occurrence of credit risk,reduce the loss of commercial banks,thus promoting the supply chain financial business to carry out better.Based on the theory of supply chain finance,this paper introduces the related theories of supply chain finance,such as information asymmetry theory,transaction cost theory and supply chain financial credit risk,and introduces the meaning and characteristics of financial risk of supply chain.Secondly,then summarizes the development situation of nowadays domestic commercial banks and city commercial banks in Shandong province of supply chain finance business and credit risk problems,make in-depth research on the possible supply chain financial risks in the process of supply chain finance source,three kinds of mode of credit risk are made a systematic exposition.Furthermore,the financial risk assessment and control system of supply chain finance is expounded in detail.In this paper,the Logistic model is applied to the credit risk assessment and control system,and the factor analysis method is used to analyze the operation status,profitability and development prospect of the financing enterprises and the core enterprises,so that the evaluation results are more objective and scientific,for banks and other financialinstitutions to provide a reference for loan decisions,to a certain extent,solve the commercial banks supply chain finance credit risk control issues.Finally,combined with the above theoretical research results and Shandong city commercial bank supply chain finance business example,this paper try to strengthen the commercial bank supply chain finance credit risk prevention and Control Countermeasures.