The Research On The Risk Identification And Control Of The Commercial Bank Inventory Financing

In recent years,the rapid development of commercial banks makes financial market and economy prosperous,but they also face many problems such as intense competition,product homogeneity seriously.Commercial banks are seeking strategic transformation and new profit growth direction actively.Bsides,the contribution of small and medium-sized enterprises to the national economy is increasingly significant,but the financing problem plagues its development.Therefore developing innovative financial products and promoting its rapid growth has become an important thing to Chinese economy.What's more,with the rapid development of logistics industry,the combination of logistics and capital flow has become the focus in the two industry innovation.In this context,inventory financing came into being.Inventory financing business is the integration and innovation of logistics and financial industry.It has the characteristics of cross industry,cross domain.The short development time,more participants,complex operation process make it facing more problems while it is developing rapidly.Recently,the Shanghai steel trade stock financing fraud caused heavy losses in the banking sector,how to manage the risk of inventory financing effectively,reduce the loss of the bank has become an urgent matter.After fully studying the predecessors' literature in the first chapter,this paper focuses on the risk identification and control of inventory financing in commercial banks.In the second chapter,it introduces the basic concept and development of the commercial bank inventory financing;In the third chapter,from the perspective of macro and micro,according to main participants of inventory financing,the risk of inventory financing business is divided into five categories:macro and industry risk,supply chain risk,credit risk,collateral risk,operational risk;In the fourth chapter,it builds an inventory financing risk evaluation index system and constructes inventory financing risk assessment of catastrophe progression model by using catastrophe theory;In the fifth chapter,it proposes two aspects inventory financing risk control measures from strategy and daily perspective.Finally,in the sixth chapter,it uses a specific example of the H bank to verify the process of risk identification,assessment and control of inventory financing,which validates the effectiveness of the risk management process.