Evaluation On Operational Risk Of Online Supply Chain Finance Based On The Third Party B2B E-commerce Platform

With the rise of B2B platforms,it has solved the obstacle backward the informatization level of SMEs.However,the problem of financial pressure and financing difficulties is still the biggest pain for them.Online supply chain finance based on the third party B2B e-commerce platforms can help B2B platforms attract more users,increase their revenue and profits,and at the same time,alleviate the financing difficulties of online SMEs.And a considerable number of SMEs on the third party B2B e-commerce platform can become premium customers of commercial bank financing businesses.Such an efficient,convenient and controllable business mode has been developing rapidly.Online supply chain finance realizes real-time information manipulation and sharing of whole process information,but it also involves more complex operational risk factors,which puts forward higher requirements for commercial banks' operational risk management.This paper with the research object of the operational risk of online supply chain finance based on the third party B2B e-commerce platform,firstly,combines the basic research of relevant theories,analyzes its connotation and characteristics,and lays the foundation for the follow-up research;Followed by the analysis of the operation process,the risk factors are extracted in accordance with the classification of.operational risk according to the Basel ?,and the establishment of classification and recognition of the operational risks' directory;And then construct the operational risk index system of online supply chain finance based on third party B2B platform,and use the blind number and fuzzy mathematics theory to analyse the chance and consequences of risks,so as to establish the risk assessment model;Finally taking the online supply chain financial cooperation between HC and Minsheng Bank as an example,the evaluation results reflect the present situation of the operational risk of the target.So the case analysis shows the feasibility and effectiveness of the risk assessment model,it's able to guide the risk management.This paper further analyzes the characteristics and influencing factors of online supply chain finance operation risk based on the third party B2B platform,and constructs an online supply chain financial operation risk assessment model,which enriches the theory and method of financing operation risk management.At the same time,it can effectively reduce the impact of operational risk,achieve the goal of risk control,which has certain practical significance on the supply chain finance operational risk management for commercial bank.