The Risk Management Research Of Commodities Online Supply Chain Finance

Supply chain financing,which acts as a new financing model,not only offers many new methods for small and medium enterprises solving the "financing difficulties",but also expand the business scale for financial institutions and coordinate the integration of the different industry business.In recent years,our country implements the industrial upgrading of the "Internet +" pattern,the types of organization actively explore their own business industry to combined with the Internet.the same as the service industry,financial institutions,is also in full swing to carry out all kinds of Internet financial business,including online supply chain finance,which is the frontier field of financial innovation and also becoming an important part of the Internet financial service gradually.Compared with the traditional supply chain finance model,financial institutions are faced with the significant changed risk factors in the online supply chain financial business.In order to adapt to the era of big numbers and Internet finance for the development of supply chain finance business,so it is necessary to study the online supply chain financing model and its risk management,which puts forward new ideas for the development of online supply chain finance business.This article,through to the domestic and foreign supply chain financing research which is suitable for the bulk commodity,focusing on the current hot development of the online trading platform,based on the background of small and medium enterprises “financing difficult”,in the perspective of commercial bank,analyze the online supply chain financing operation and also study the relevant content of risk management.Based on the traditional supply chain finance model of each participant in the role and participation as a breakthrough,this article analyze the accounts receivable financing,the future goods right financing and the warehouse receipt pledge financing belonging to three basic supply chain financial operation models.With the method of layer,the evolution of online financial model of supply chain are also analyzed.This paper mainly using theory research and comparison research method,find out that the warehouse receipt pledge evolved into electronic warehouse financing mode,The accounts receivable financing and future goods right financing has evolved into the electronic order financing model.According to the processes of new online supply chain finance,Putting forward their respective major risk control points and carries on the thorough analysis.The results show that although online supply chain financial has great promotion in the collaborative operation and service efficiency,but in view of the small and medium-sized financing borrowing enterprises such as the characteristics of the online words,many changes have taken place in its risk,the risks has increased for commercial Bank as a whole.On this basis,from the access,accrual definition,monitoring,early warning and etc,these aspects put forward advice to the bank's risk management.For the credit risk of online supply chain finance model,taking the thought of "subject rating + debt rating + e-commerce credit rating" to build the credit risk evaluation index,connecting the method of principal component analysis and Logistic regression to build online supply chain finance credit risk evaluation system,thus online credit decisions for financial institutions to provide corresponding reference.Because the "electronic warehouse receipt" and "electronic orders the buyer",belonging to the online supply chain finance model,involve in the pledging business of the market risk.This article puts forward Suggestions for the relevant market risk management,and introduces the VaR risk controlling model to correct the loan-to-value ratio of commodity goods.