Research On Risk Management Of Supply Chain Financial Business Of Small And Medium Commercial Banks

Since the reform and opening up,China has become the second largest economy in the world.But in the current economic situation,facing the rigidity economic structure,diminished demographic dividend,and the continuing international economic downturn,our country's economy cannot achieve rapid rebound in the short term,and the economy develops into the "new normal",promoting reform and structural adjustment has become the only way to solve the current adversity of development.As one of the main economy entities in China,small and medium-sized commercial banks have made great contributions to China's economic growth and the improvement of people's living standards.With the end of extensive economic growth,the scale expansion phase of small and medium-sized commercial banks has also ended,and they should be aware of the current economic environment.At present,China's banking industry is suffering from a new round of economic reform.Since the 18 th NCCPC,the country has timely put forward the structural reforms on the supply side,small and medium-sized commercial banks should seize the opportunity to transform successfully,service the real economy on the background of supply-side structural reform.Supply chain financing has become one of the most important business growth in the field of international banks' working capital loans,and can ease the small and medium-sized enterprises' financing difficulty,the development prospect is considerable,small and medium-sized commercial banks should make efforts to become a mainstay of the supply-chain financial markets,and promote healthy development of social economy.This paper mainly discusses the risk management of small and medium-sized commercial banks supply-chain financial business from the following aspects,so as to further improve the risk management level of the supply-chain financial business.The first chapter mainly introduces the research background,research significance,research idea and the definition of relevant concepts.The second chapter elaborates the basic situation of the supply chain financial business of small and medium-sized commercial banks,the main mode of supply-chain finance and the risk management,and lays the foundation for the following chapters.The third chapter analyzes the risk control mechanism of the supply-chain financial business of small and medium-sized commercial banks,and makes a detailed analysis and discussion on its risk sources,risk transmission,risk identification and measurement.Chapter 4 combines specific case and uses the SWOT model to analyse the advantages and disadvantages,opportunities and challenges of supply-chain finance business,provides valuable experience for reference and enlightenment for other small and medium-sized commercial banks in China to carry out the supply-chain finance business.The fifth chapter mainly aimed at putting forward related suggestions on how to strengthen small and medium-sized commercial banks supply-chain finance business risk management,in order to help small and medium-sized commercial banks carry out the supply chain finance business.