A Credit Risk Evaluation Study On The Small And Medium-Sized Enterprise Of The Supply Chain Financing Mode

Supply chain financing as a new type of business for commercial banks to improve profitability and accelerate business transformation has somewhat eased the current difficulties of financing for small and medium-sized enterprises,but how to evaluate the credit risk of small and medium-sized enterprises under this financing model as a judgment of small and medium-sized enterprises The theoretical basis of the probability of default,and then decide whether to provide credit loans for small and medium-sized enterprises,has important theoretical and practical significance.First of all,this paper analyzes the problems encountered in the process of business expansion and the causes thereof by combining the credit risk theory and credit risk assessment theory of the supply chain finance financing model with the current development status of domestic commercial bank supply chain finance business,and then the supply chain.The credit risk of small and medium-sized enterprises under the financial financing model is defined.Secondly,combining the characteristics of the supply chain finance financing model,through the use of the basic framework of the company's traditional business credit risk assessment,a more comprehensive and multi-level credit risk assessment system for small and medium-sized enterprises is designed.Finally,based on the Mixed-Logistic regression model,the paper selected 100 small and medium-sized enterprises in the three industries of logistics industry,manufacturing industry and technology industry through the collection of a small and medium-sized enterprise database of a state-owned commercial bank in Guangdong Province from 2014 to 2016.Sample data for credit risk assessment.This article argues that compared to the traditional financing model,the supply chain finance financing model can significantly reduce the credit risk of small and medium-sized enterprises and enable commercial banks to provide credits for certain small and medium-sized enterprises that cannot be trusted by traditional credit standards.Indicators that reflect the company's profitability,reflecting the company's operating capabilities,and core companies,etc.The credit risk is negatively correlated.Among the forms of guarantees in the chain,the forms of pledge and mortgage guarantees can reduce the credit risk of small and medium-sized enterprises.In terms of corporate financing institutions,the financing structure based on equity and transactions can reduce the credit risk of small and medium-sized enterprises.