Study On Credit Risk Assessment Of Online Supply Chain Finance Of Third-Party B2B Platform

Under the new environment of global economic development,small and medium-size enterprises in the middle and the end of the industrial chain are lack of complete financial data and perfect sign credit,so it's even harder for them to get loans from traditional financial institutions,the difficulty and spend of financing increase the pressure of small and medium-sized enterprises.With the deepening of reform,the “Mass entrepreneurship” and “Internet +” etc.more and more major strategic initiatives are accelerated,a good environment for the development of small and medium-sized enterprises is coming.Online financial supply chain is rise and develop rapidly based on e-commerce platform,it combines the structural features of each transaction link and supply chain,and insure the source of funds for small and medium-sized enterprises in the supply chain.This convenient,efficient and easy to control risk financial model has effectively alleviated small and medium-sized enterprise financing difficulties.The model also makes electronic and informationized supply chain management come true,and promotes online industry develop healthy and rapidly.So it get strongly supported and highly valued of government departments and relevant enterprises.At present,more and more enterprises combine the Internet platform with supply chain finance,invest in the online supply chain finance business.This attracted many scholars to study it.This article mainly evaluates and research the financial credit risk of online supply chain of third-party B2 B platform.Firstly,we arrange the domestic and foreign research results of supply chain finance and its credit risk assessment,and expound some related basic theories of online supply chain finance and its credit risk,mainly analyze the online supply chain finance model.This article also establishes that the financial financing model of supply chain on the third party B2 B platform is the research object.Secondly through identification of credit risk of three kinds of the financial financing model of supply chain on the third party B2 B platform,on the basis of fully understanding the principles of the evaluation system of offline supply chain finance,choose the text index,at the same time,analyze the reliability and validity of the index using the SPSS software.Thirdly,based on the evaluation index system already built,use the Yaahp software to get the Index weight,use the grey comprehensive evaluation method to evaluate the credit risk of financing enterprises in the online supply chain financial business of the third-party B2 B platform,and according to the evaluation results,it is hoped to provide reference for the financing enterprises which provide credit support to commercial banks.