Research On Credit Risk Evaluation Of Sme Supply Chain Financing

Supply chain finance is an emerging financial business that has been accompanied by social development and the continuous development of the financial industry in recent years.Its advantages are that it provides more financing possibilities for SMEs,optimizes their financing structure,and reduces operating risks.Because the target customer group targeted by supply chain finance is small and medium-sized enterprises,the ability of financial institutions to effectively judge the credit status and anti-risk capabilities of such enterprises has become the prerequisite and cornerstone of the development of supply chain finance.However,for some comprehensive financial institutions specializing in SME supply chain financial services,the credit risk assessment of SMEs under supply chain finance has not yet basically formed a complete and mature system,which has hindered the development of supply chain finance.The unfavorableness of banks in launching new businesses has also hindered the economic development of SMEs.With this in mind,I hope that this article can research and analyze the relevant literature on credit risk assessment of SMEs in the supply chain,use big data related technologies,and use the construction of credit risk related assessment models to assist financial institutions to complete the relevant work of SME credit assessment.To reduce investment risk.This article first systematically illustrates the positive significance of the establishment of a credit evaluation system for small and medium-sized enterprises for the development of supply chain finance.It sorts out the basic relevant data and literature on the supply chain financial credit risk research of domestic and foreign SMEs,and comprehensively analyzes it The research status of SME supply chain financing credit risk fully illustrates the importance of supply chain financing research in this paper.Furthermore,based on the research of the supply chain financial environment at home and abroad,the credit risk background and results of SME financing,combined with the main factors that affect the credit risk of SMEs in the supply chain financing environment,analyzes the small and medium-sized enterprises under the supply chain finance background Enterprise credit evaluation system.A research system for the factors affecting the credit risk of SMEs was established fromthree aspects: the status of core companies,the status of financing companies,and the overall situation of the supply chain.Fifty small and medium-sized enterprises in the domestic automotive industry were selected.Factor analysis and Logistic regression models After analyzing and researching the factors that affect credit risk,the factors affecting the bank’s ability to judge corporate credit are summarized.The test results also show that the model’s prediction accuracy rate reaches 94.00%.Research shows that supply chain finance has indeed optimized the financing structure of small and medium-sized enterprises,eased the debt pressure of SMEs,reduced the operating risks of SMEs,and provided them with more development possibilities.Finally,this article summarizes the relevant research content,combined with factors affecting the credit risk of SMEs in supply chain finance,and takes the current status of China’s supply chain finance development as the starting point.The countermeasures are proposed to provide an effective solution to the credit risk assessment of supply chain financing.