Strategy Research Of Supply Chain Financing Under The Background Of Risk Control

In the tide of market economy,China's small and medium enterprise is enriching and growing continuously,and has become an important part of national economy after 30 years' development.At present,the level of small and medium enterprises'development has gradually become an important measurement of the level of a region's economic development,and it is also an important measurement of a region's competiveness.For business activities,funds are the first driving force,and financing is the key of maintaining the small and medium enterprises develop sustainably.Whether in the developed countries or in the developing countries,the difficulty of small and medium enterprises financing has always been a worldwide problem.Upon on the situation that commercial banks are trying to seek new formats,and small and medium enterprises are attending to seek new development,supply chain financing business has become an inevitable choice.From the perspective of the entire supply chain,financial institutions would expand the scope of risk assessment not limited to small and medium enterprises.The overall risk assessment includes the authenticity of the core enterprises,the credit of core enterprises' upstream and downstream trade,and other aspects of investigation.In recent years,with the development of China's economy,some economic phenomena such as overcapacity,industry cyclical risks have been shown on.In the context of some enterprises operating landslides,some production enterprises in arrears of business enterprises payments,and commodity prices fell would result in tight money chain,repayment cannot be collected in time,and would lead to the supply chain operating not smoothly.The small and medium enterprises due to their own economic strength and dependence,determines that their development is depending on the stability of external economic environment.Therefore,it is necessary that financial institutions should analyze the current status of small and medium enterprises,and explore how to use supply chain financing to solve the financing difficulties of small and medium enterprises under the risk control.Through the aspects of supply side,and the overall supply chain to seek the solutions of difficulties encountered during the development of small and medium enterprises,avoiding the risk spreading from production enterprises to upstream and downstream enterprises and related industrial chain,adapting to China's economic system's structural adjustment and mechanism change,and to find a new road for the economic sustainable and healthy development for our country.This paper is a case study aiming at X bank.Through the use of literature,research,system analysis,case analysis and other research methods,this paper systematic analyze the situation of supply chain's financing and operational mechanism upon the basis of the X bank's risk prevention and control.Facing the current financing characteristics' of small and medium enterprises,it is undoubtedly a positive try that exploring the ways how the X bank develop the supply chain financing business approach for small and medium enterprises,and put forward some methods to solve issues depend on current situation,and broaden the way of thinking for our country's commercial bank carrying out the supply chain financing business.