Research On Financial Risk Avoidance Of Auto Sales Supply Chain Based On Big Data

With the rapid development of a new generation of information technology,big data application technology has matured,and people began to think more about how to give full play to the value of big data,which is also the main research topic in the field of information technology.Massive data will be generated in the automobile sales supply chain finance,but the financial companies' poor application ability of these massive data makes it unable to meet the supply chain financial risk avoidance requirements.At present,the relationship between financial institutions and auto dealers is still a peer-to-peer capital supply and demand relationship.Financial institutions have insufficient knowledge of dealer business,resulting in high capital risks,high risk control costs,and low efficiency.The emergence provides new solutions to the problems facing financial institutions.Based on this background,using the Delphi method and other related theories,the cooperative game method is used to discuss the application of big data in the supply chain financial system management of automobile sales companies and financial institutions.This article is divided into the following six chapters:Chapter One Introduction.First,it introduces the writing background,meaning and purpose of the whole article.Summarize the application of big data in financial risk control management at this stage,construct the future development direction and landing mechanism of big data in the risk control model,and explain the theoretical and practical significance of this study.Secondly,the article's writing ideas,main content,innovations are introduced.Finally,the application of big data in the control of financial data in the automotive sales supply chain is taken as an example.The second chapter is the theoretical basis of supply chain finance.Combined with the writing purpose of the article,it briefly describes related concepts,including: supply chain,supplier finance,etc.,and further outlines the definition and methods of risk control,supply chain financial risk management and other terms.Subsequently,it introduced the related theory of big data and the stackberg game method used in the financial risk management of emerging supply chains.Chapter 3 Current status and problems of auto supply chain finance risk control.Analyze the harmful effects of risks and the causes.From this point,we propose the shortcomings of traditional risk control methods,and use Delphi to confirm the influencing factors and weights.Based on this,the needs of big data technology play a role in risk control.Chapter 4 Research on the application of big data in financial risk avoidance schemes in the automotive supply chain.First of all,from a cost-reducing solution,using big data technology to establish a new credit reporting system for healthy auto dealership portraits to replace the traditional credit reporting system to save the risk control cost before loan.Use big data technology to electronically and interconnect the form of supply chain transactions.At the same time,the business of other auxiliary enterprises in the supply chain is also required to be electronic and digital.Compared with the original business model of supply chain finance,the cost is lower and the third-rate delivery is smoother.Secondly,it proposes another solution to improve efficiency,that is,to construct a new risk control scheme based on big data technology,proposes the establishment of a risk control database,and establishes a supply chain transaction business platform for the automotive industry.The use of big data technology to obtain panoramic data portraits for financing companies,and the use of new evaluation indicators and evaluation methods,can provide a solid foundation for loan decision-making and reduce the cost of loan risk.Using game theory again to analyze the risk control costs and bad debts of financial institutions and car dealers in the automotive supply chain finance Efficiency is the conclusion of reducing the core of risk controlChapter 5 Evaluation of financial risk avoidance schemes for automotive supply chain based on big data-take z company as an example.First,the advantages of financial risk avoidance schemes based on cost control in the automotive supply chain are evaluated.Second,the advantages of financial supply risk avoidance schemes in the automotive supply chain based on efficiency improvement are evaluated.Once again,the application scope of the two different schemes was explained by taking z company as an example.Chapter 6 Summary and Outlook.Summarize the deficiencies and problems in the process of financial risk control of the automotive sales supply chain researched in this paper,and then summarize the current research deficiencies and put forward the issues worth discussing in the future.