Study On Financial Credit Risk Assessment Of Online Supply Chain In Automobile Industry

In recent years,as China is vigorously promoting the development of the real economy,supply chain finance with the characteristics of integration of industry and finance has been rapidly developed in China due to its ability to effectively solve the financing difficulties of small and medium-sized enterprises.In particular,online supply chain finance combined with the characteristics of the Internet has become an emerging model for the development of supply chain finance.China's automobile industry is a capital-intensive industry with a large industrial scale and complex industrial structure.It faces more financing difficulties for SMEs.Therefore,China's auto industry is the most mature industry for online supply chain finance development.How to effectively identify and evaluate the credit risk of online supply chain finance has very important practical significance for the development of the automobile industry.Based on the research on supply chain finance and online supply chain finance,this paper analyzes the theory of credit risk in online supply chain,systematically studies the source of online credit risk in supply chain,and gives the credit risk characteristics of online supply chain finance in the automotive industry.After combing the previous literature,this paper gives the automotive industry online supply chain financial credit risk assessment system,and studies the concept of online credit risk assessment model for online supply chain commonly used by existing scholars.In the step,after analyzing the advantages and disadvantages,the Principal Component Analysis and the Robust Logistic Regression Analysis are selected to predict the default probability of financial credit risk in the automotive industry.The empirical results show that the index system and the model used in this paper have high prediction accuracy,which is of great significance for the stable development of online supply chain.Finally,the paper gives the recommendations for how to effectively prevent the online financial credit risk in the supply chain in the automobile industry.