Study On Risk Evaluation And Prevention Of A-Bank Supply Chain Financial Product Operation

Entering the era of Internet,the competition before commercial banks becomes more and more competitive in pricing,capital operation strength,risk control level and professional talent management ability.Internet technology has greatly promoted the online operation of supply chain finance,making the financial services of the supply chain as an important growth point for many financial institutions,and a large number of resources began to tilt to them.Taking the Haier model as an example,on the basis of the existing supply chain financial theory,combined with the A bank C+SIE+R supply chain financial model,from the three modes of inventory,receivable and prepayment,this paper analyzes the three major links of the distributors,suppliers and core manufacturers on the supply chain,and builds the credit risk evaluation model by establishing the analytic hierarchy process,and tries to find out the existing contribution.Some suggestions are put forward for customer access,management and exit.In the research methods,the article explores the causes of operational risks from both theoretical and practical perspectives,and studies the development of commercial bank supply chain finance under the Internet background.From the perspective of the combination of qualitative and quantitative,comprehensive evaluation of the impact of Internet technology on the development of commercial bank supply chain finance.In the system construction,through the analysis of the operation of A-bank supply chain financial products,the paper constructed a universal supply chain financial product operational risk index system.In order to determine the scientific and reasonable system indicators,firstly,the AHP is used to analyze and screen all the index factors,remove the indicators that have less impact,and form a risk research system according to the three key levels: critical,severe,and general..Secondly,the risk matrix method and Borda ordinal value method are used to rank each index according to the risk level and carry out risk assessment.From the results point of view,there are three types of A risk factors that A Bank currently faces,namely interest rate level,exogenous risk,and distortion risk;A Bank faces Class B risks mainly including exchange rate level,price level,endogenous risk,and system risk.Risk assessments,outsourcing risks,delay risks,etc.,have caused great hidden troubles in the operation of supply chain financial product operations.The risks of Class A risks faced by Bank A mainly include industrial policies and operational risks.According to the determined risk levels,specific control measures are put forward separately,and the internet is used as a means of thinking.From the strategic perspective,the technical path of integrating supply chain finance product operation and/or networking technologies is explored to strategically transform and improve risk control measures;Customer experience,enhance humanistic care,integrate brand resources,enhance institutional flexibility,and promote cooperation with logistics companies.At present,no domestic scholars have studied the online mode of C+SIE+R supply chain finance.Through the discussion and construction of this model,in order to further promote the development of the banking industry and enhance the survival and competitive ability of the banking industry,it is not only of theoretical significance,but also of practical value.