The Analysis Of Enterprise Credit Risk Under Supply Chain Finance In Automotive Industry

Small and medium-sized enterprises(SME)play a decisive role in the economic development in China.It is not only a key contributor to the employment opportunities' creation but also provides a strong support towards the rapid economic growths.Nevertheless,enterprises financing has always been a big problem for SMEs because of the following reasons: 1.Low corporate credit rating 2.High financing costs 3.Inconsistent information between banks and enterprises;Incomplete credit guarantee system 4.Insufficient government support It is extremely difficult for SMEs to obtain commercial loans under the traditional financing module,which affects their sustainability eventually.To remove the constrains from SMEs completely,the best way is to create a whole new enterprises financing module.Supply Chain Finance is a good solution.Supply chain financing module can expand financial bank management expertise as well.It can develop within supply chain potential customer,reduce bank customer source sole risk,and allow commercial bank to elevate itself to participate in financing market competitive level.Supply chain financing module provide enterprise a channel for financing,SME can collaborate with core enterprise,this can elevate self-financing efficiency,this is a win-win situation for implementing bank and supply chain enterprise,it can push for supply chain overall development.This article base on reasoning and prove that study is needed on two ways supply chain financing enterprise credit risk analysis.While explaining how supply chain capital processing is fundamental financing basis,it is based on combine relative scholarly article analysis,provide supply chain financing,arrange how several enterprise credit rating in several dimensional rating,provide supply chain domain application three kind of main module does a comparation,analyze that supply chain credit risk analysis compare with tradition module advantage,analysis our country supply chain financing module situation,point out that credit risk control versus evaluation has three kind of main module to compare with each other,analysis supply chain financial credit risk evaluation relative to tradition module advantage,analyze our country provide supply chain financing module situation,it point out credit risk control and evaluation is provide financial management key,to relative supply chain financing credit risk module does a comparation,raise using logistics model is our article evaluating enterprise credit risk method basis.Use car enterprise for example,in goes on to provide supply chain credit implementing study.Base on supply chain financing enterprise risk factor analysis,and create its evaluating standard,based on car enterprise and proceed to explain fundamental analysis,it uses 150 automobile pars company as example,it passfactor analysis and main ingredient analysis,confirm key factor,and create logistic regression equation.Base on regression relative parameters and raise what is affecting car enterprise financing value credit risk,based on analysis parameters,it provides what is affecting car enterprise financial credit risk evaluating main factor,based on these affecting factors propose what is changing supply chain credit risk management policy.