The Research On Credit Risk Evaluation Of Small And Medium-sized Enterprises' Order Financing Under Supply Chain

In recent years,the development of order financing business has provided a new solution to the problem of financing difficulty and expensive financing for small and medium-sized enterprises.Order financing,as a financial innovation mode,can not only solve the financing problems of small and medium-sized enterprises.And to a certain extent,it has expanded the scope of banking financial services.However,with the development of the order financing business,the problem of credit risk has become increasingly prominent.Therefore,it is more and more important to evaluate the credit risk of order financing in small and medium enterprises under the supply chain.On the basis of previous studies,this paper takes SMEs with financing difficulties in supply chain as the research object,after analyzing the basic theories of supply chain finance,order financing.SMEs under supply chain and credit risk of order financing.After comparing various credit risk evaluation methods,this paper determines the research methods of credit risk evaluation,and then expounds the relevant parties involved in order financing,and analyzes the sources of credit risk of small and medium-sized enterprises' order financing.The:n the credit risk evaluation index is initially set up and the scientific and reasonable credit risk evaluation index body is finally determined after the data analysis.BP neural network credit risk evaluation model,select relevant examples to complete network training and simulation test the effectiveness of the model.In view of different credit risk occurrence situation,put forward the corresponding risk prevention suggestion.The results show that the evaluation of the credit risk of order financing needs to be dynamically analyzed from many angles,and the relevant credit risk managers should not only pay' attention to the qualification of the financing enterprises.And we should pay attention to the core enterprise qualifications in the supply chain.In addition,as a cooperative regulator of banks and other financial institutions and guaranty-third party logistics enterprises,The overall operation of the supply chain and the market conditions of the industry are also the key points for the prevention of credit risks.The qualifications of financing enterprises,core enterprises,and third party logistics enterprises are also the key points of credit risk prevention.Supply chain Operation condition and Industry Market condition are order financing Credit By constructing the credit risk evaluation method based on BP neural network model,this paper studies the credit risk of small and medium-sized enterprises' order financing under the supply chain,which has certain predictive significance.This helps banks and other financial institutions to make scientific and reasonable credit risk aversion strategy.