The Study On Risk-control Issue In Supply Chain Finance Of Commercial Bank

Supply chain finance business is a kind of modern comprehensive finance service offered by commercial banks under the premise of commercial banks' fully understanding of the core enterprises' real strength and credit rating in supply chain.It analyzes supply chain's internal structure,achieves closer link of core enterprises and supply chain upstream as well as downstream enterprises,and provides flexible financial products and other settlement services to different nodes in supply chain based on real trade background.Developing supply chain finance business for commercial banks would optimize their business structure,achieve diversified profit mode and help them gain initiative in the competition as well as better adapt to market change and attract more customers in increasingly fierce competition so as to gain more comprehensive profits.Meanwhile,It would provide feasible help to solve small and medium-sized enterprises' financing problems.The competitiveness of supply chain as a whole would also be improved with the help of smooth flow of funds provided by the integration financial business and supply chain.Supply chain finance business,as a new kind of finance business of commercial banks,provides great help and support for the development of financial market.However,it generates certain risks for banks as well.Commercial banks shall keep highly attention to risk control to achieve better development.Ignoring risk control in supply chain finance business would lead to failure in achieving the goal of stable operation for commercial banks,in turn,make their development suffer from severe adverse effects.In this paper,the author describes the current situation of supply chain finance business' s development,analyzes its risks,gives some advises to decrease and control its risks for commercial banks,and evaluates the practical application effect of standardized operation in Shanghai Pudong Development Bank's supply chain finance business risk control process by learning and summarizing related theories.This paper is divided into six parts.In the first part,the background of supply chain finance risk control and general contents of this paper are described.In the second part,the supply chain finance risk control related theories are introduced,and,by collecting a lot of data,recent research of supply chain finance are summarized.In the third part,the author analyzes the application of some domestic commercial banks' supply chain finance business,and summarized the risks in their development.In the fourth part,with Shanghai Pudong Development Bank as an example,the author analyzes the risks it faces in developing supply chain finance business,and give risk system optimization advises.In the fifth part,by analyzing a Shanghai Pudong Development Bank supply chain finance business risk case,the author put forward suggestions for its risk control improvement.In the sixth part,with a view of the current study situation of this subject,the author summarizes the full text.The author hopes that,through this study,supply chain finance business theory,can get further enrichment,the risk problem in the process of the development of supply chain finance business can be given more attention to,business operation process to improve the feasibility of the scheme can be put forward,and the problems encountered in the supply chain finance business can get a good solution through the improvement of risk control process.