Supply Chain Finance Model And Research On Credit Risk Evaluation Under Credit Insurance

Corporate financing is difficult and expensive,which has been the biggest obstacle to hinder the development of enterprises,and the problem is more prominent.The domestic credit insurance under the supply chain financing of accounts receivable as a new financing tool has caused the commercial banks,enterprises,insurance companies' attention.The financ ing model must have its own advantages in order to obtain the approval of the participants,while the risks accompanying the imp lementation process can not be ignored.Based on this situation,this paper mainly discusses the supply chain finance accounts receivable financing mode under the credit insurance,and the two kinds of financ ing mode of pledge and factoring credit risk assessment.Firstly,this paper introduces the background and practical needs of the new financ ing business.Secondly,it summarizes the domestic and foreign scholars on the research content and research methods of supply chain finance.Followed by the introduction of credit insurance under the supply chain finance accounts receivable financ ing mode of factoring financing and the financing of the operation process,the two models are compared to provide theoretical support for the following empirical.After the theoretical analysis and practice summary,considering all kinds of factors,the paper constructs the evaluation structure of the supply chain finance accounts receivable financ ing under the credit insurance.Then combined with the actual case,the use of AHP,fuzzy comprehensive analysis and gray correlation analys is method to assess the risk of the credit account receivable financ ing,more practical significance.At the end of this paper,the main results are summarized,and the countermeasures are put forward.The primary risk of account receivable financing under credit insurance is from the financing enterprises.Through theoretical analysis and empirical risk evaluation,this paper qualitativly and quantitativly proofs of credit insurance should be the main cred it risk of account receivab le financing mode is currently facing from financing companies,and credit insurance under the overall situation of the main credit risk of accounts receivable a factoring financ ing faced from the core enterprise.This conclusion also confirms the subjective judgment of experts.At the same time,through the comprehensive analysis of the design,the author has designed the credit risk evaluation index system about the supply chain finance accounts receivable financing mode based on credit insurance,which will provide a theoretical reference for commercial banks to carry out credit risk assessment in related business areas to.