Design And Risk Analysis Of Movable Pledge Financing Products For Z Platform

Small and medium-sized enterprises are important parts of economic development.However,it's hard for them to get financial support from traditional financial institutions due to its own restrictions like small size,less assets,incomplete financial and incomplete transaction data.The supply chain financial model is divided into advance payment financing,chattel mortgage financing and receivable financing,which can solve the financing problem of SME.Moreover,different models have perfect products in practice.Based on the risk theory,this paper analyzes the risk factors in different modes of supply chain finance and how to carry out risk identification.The supply chain financial products focus on overall risk of supply chain rather than credit risk or historical financial data index.Different financial products are designed to meet the overall benefits of supply chain based on the models.After analyzing the supply chain financing products of different modes,this paper chose the third-party electric business platform of the supply chain financial products as the research object and do research about chattel pledge financing products and analyzes the main problem of the types of products.According to the basic business analysis,risk analysis,product design.Comparing different businesses has a big difference in choosing products.At the same time,different risk control strategies should be assisted.It is concluded from the analysis of the paper that the products of movables are feasible under certain circumstances.However,due to the imperfect laws,there will be differences in the choice of cooperative financial institutions.Based on the analysis of E-commerce platform basic business,venture and product design,we think different business have non-standardized supply chain financial products and corresponding risk control strategy.It's concluded from the paper that the products of movables are feasible under certain circumstances.However,there will be differences in the choice of cooperative financial institutions due to imperfect laws.