Research On Enterprise Credit Risk Evaluation Under Supply Chain Finance Model

The appearance of the supply chain indicates the progress of the social production mode,which means that under the market economy,the commercial competition has become the competition between different supply chains.Small and medium-sized suppliers in the upper reaches of the supply chain are likely to run out of funds.Thus,the way to solve this problem is Supply-Chain-Financial.Nowadays,with the domestic economic transformation and upgrading in China,19 th CPC National Congress emphasizes the structural reform on the supply side.Supply chain finance,as one of the financial business models that can expand the needs of industrial development,is expected to become the focus of financial reform.In addition,the development of small and medium-sized enterprises in recent years The emergence of supply chain finance makes the problem of financing difficult for SMEs to be solved.Of course,supply chain finance has become the focus of attention of financial institutions,which has become the background of this paper.The purpose of this paper is to find out a feasible scheme to evaluate the credit risk of the enterprise under the supply chain financial model.On the one hand,this paper first expounds the characteristics of the supply chain finance,analyzes the classical financing mode of the supply chain,and the related theories,and establishes the theoretical basis for this paper,and then through the three kinds of classic supply.Based on the comparative analysis of chain finance model,the main factors that affect the credit risk assessment of SMEs under the supply chain financial model are obtained,and the index system of credit risk evaluation is determined according to the principle of index selection.On the other hand,the BP neural network is selected by comparing the existing credit risk evaluation methods.The collateral model is used as the empirical research model in this paper,and its applicability is proved by comparing with the empirical results of Logistic regression model.The results of this paper also provide a feasible scheme for commercial banks to evaluate the credit of SMEs.