Research On Supply Chain Finance Model And Risk

Supply chain finance has played an important role in improving the competitiveness of commercial banks,expanding the income of intermediate business,and improving the business structure,and also to help solve the financing difficulties of SMEs.However,the supply of financial innovation in the development process also exposed some risks,such as credit risk,operational risk,legal risk,etc.This paper takes the Y bank as the research object,utilizes the case study method to study the three main modes of the commercial bank supply chain finance and the risk,and proposes the suggestion of the supply chain financial risk management.The development of supply chain financial services and supply chain financial risk control has important theoretical and practical significance in the new situation.This paper is divided into five parts,the first part from the supply of financial business research background,research purposes and significance;The second part is the research summary of supply chain finance;The third part is the business model of supply chain finance,the source of risk and the control measures of risk.The fourth part is the case analysis of the different business models of the bank supply chain financial case,and the risk points of the supply chain financial risk need to be prevented from practice.The fifth part is the conclusion Outlook and management suggestion of this paper,the supply chain financial risk control in the pre-loan supply chain financial overall risk assessment,as well as each business model process risk,risk source control,credit operation Risk prevention and risk early warning and other full-flow risk management.Although there are some defaults or risk incidents in the supply chain finance,but development of it will not change,the commercial banks should seize this opportunity,strengthen pre-credit investigation,process operational risk,and early warning of risk etc.,they in this competition can find an invincible position.