Research On Financial Risk Management Of Small And Medium-sized Enterprise Supply Chain Of Z Bank

Since twenty-first Century,China's small and medium-sized enterprises are in the continuous period of vigorous development,promoting China's economic growth stable and rapid,upgrading of China's industrial structure,but at present our country small and medium-sized enterprises are facing financing difficulties,high financing costs and disadvantages of their own operation,finance,mortgage and other aspects of the disadvantaged.These reasons restrict with the long-term development of small and medium-sized enterprises of our country and make it difficult to obtain financing from commercial banks through traditional financing mode.As a result of these disadvantages and weaknesses,supply chain finance,the innovative financial model gradually began to develop,supply chain finance is a new type of financing mode of commercial Bank,which is mainly designed for small and medium-sized enterprises in the supply chain,which guides the new path in financing direction and expands the new profit market for the commercial banks.Supply Chain finance is a new service model of commercial banks,which can help them to stand out in the increasingly competitive market and help them to reduce the financing risk.However,since the economic crisis,overcapacity and cyclical industrial risk,the risk of supply chain finance can not be ignored and this has become a major constraint on supply chain finance development.Therefore,the risk management of supply chain finance becomes more and more important.Based on the above background,this article chooses Z Bank as the research object,through the analysis domestic and foreign supply chain finance risk management as well as with the author in Z Bank contact supply Chain financial business practice experience,first carries on the brief introduction to the supply chain finance in Z Bank's development condition,and this is the background of Z Bank supply chain financial risk management.Subsequently,this paper describes the concept,characteristics,financing mode and development status of supply chain finance,and analyzes the main risks of supply chain financial business of commercial banks based on this part.Then the paper analyzes the risk of Z Bank in three main financing models of supply chain finance and evaluates these risks.At last,this paper analyzes the problems of Z Bank in the risk management of supply chain finance and puts forward some preventive measures according to the development direction of Z Bank.