Research On Risk Management Of Supply Chain Financial Services Of H Company

Supply chain finance is an innovative business model for China's financial market to respond to the economic and financial environment.The implementation of the supply chain financial model can not only provide rich financial products for the financial market,but also provide financial support for companies that have difficulties in financing in the supply chain.Not only improves the stability of the supply chain,but also enhances the competitiveness of financial institutions.Therefore,major banks have also turned their attention to supply chain finance business as one of the development directions.However,because banks strictly control their own risks,they have high requirements for financing companies.Many SMEs that need to be financed often fail to meet the bank's loan conditions,so they cannot obtain loans to ease their own business difficulties.As a result,difficulties have led to bankruptcy.Therefore,for these core enterprises that rely on these SMEs for business development,the development of SMEs is limited,and the development of the corresponding core companies will also be affected.Therefore,the core companies rely on their own strength and position in the industry to carry out supply chain finance business,provide financial support for upstream and downstream companies that have business contacts with themselves to solve the development bottlenecks of upstream and downstream enterprises,and bring the company itself benefit.However,the company itself undertakes supply chain finance business will bear more risks than banks,so this article takes H company's supply chain financial product X as a research case.The company relies on its own industrial chain to carry out supply chain finance business based on its own finances.As a financial institution,the company provides supply chain financial services to upstream and downstream SMEs.The supply chain financial product X went online at the end of 2014.After three years of development,as of the end of 2017,the transaction volume on the supply chain financial platform reached 50 billion yuan,and the scale of users reached more than 3 million,and the cumulative investment income reached more than 400 million yuan.This article describes the business model of supply chain financial services of H company and the risk management system adopted to prevent risks.From the analysis,we can see the desirable and inadequacies of the supply chain financial services carried out by H company,and finally The current proposal for improvement of risk management problems also hopes to serve as a reference for other companies in the industry that carry out supply chain finance business.