Research Of The Current Situation And Risk Control Of Supply Chain Finance In X Bank

Supply chain finance is a brand new financial service mode under the background of adjustment of the industrial division,it reflects the development direction of trade finance,and it is the key point for commercial banks to enhance their innovation power as well as their core competitiveness.As the main provider of funds on the market,commercial banks are indirectly involved in the management of the goods flow,capital flow and information flow in enterprises through supply chain finance products.In order to adapt to the changing demands of all parties,the structure of supply chain finance product is becoming more and more rich.At the same time,risks are also exposed gradually along with the vigorous development of supply chain finance,how to prevent and control risks has become an important subject.Strengthen the theoretical analysis and research of supply chain finance in combination with practical work experience can help commercial banks use their product,control risks and improve the quality of management more effectively.This article chooses X bank as the research object,in which the author works for,analyzes its background and situation of supply chain finance business by relating to the practical work experience,demonstrating thatit is not only beneficial to the bank's development,but also meaningful to reduce financing costs of enterprises,even to activate the real economy for commercial banks to develop supply chian finance business.Based on risk cases in the past,there is a detailed analysis of X bank's need to focus on credit risk,operational risk and market risk while developing supply chain finance business in this paper.Then the author put forward several proposals for risk control and implementing guarantee from two aspects: optimization of internal approval for whole process,which means strengthen control before and after the whole process,and perfection of the external environment of supply chain finance.