Research On Credit Risk Evaluation Of Small And Medium-Sized Enterprises From The Perspective Of Supply Chain Finance

It has been 40 years since the reform and opening-up in our country.During this period,small and medium-sized enterprises have mushroomed and gradually developed.The status of small and medium-sized enterprises in our national economy is becoming more and more prominent,but in the process of development,due to the influence of the small and medium-sized enterprises themselves,national policies and financial institutions,The difficulty of financing restricts self-capital accumulation and rapid expansion.One jump has become a major obstacle to the development of small and medium-sized enterprises.In this severe situation,a brand-new financing model,namely supply chain finance,comes into being.The emergence of this financing model not only provides a solution to the small and medium-sized enterprises that are in the financial difficulties,but also solves the commercial silver to a great extent The problem of asymmetric information between bank and small and medium-sized enterprises makes them win the trust and support of commercial banks.Small and medium-sized enterprises financing problem solved,commercial banks also have a new source of profits,can be described as a win-win.This paper uses the method of case analysis,analytic hierarchy process and fuzzy comprehensive evaluation to sort out the relevant literature on the development history and research status of supply chain finance at home and abroad.Based on the theoretical research on credit risk of small and medium-sized enterprises(SMEs)in China at present,this paper analyzes the problems and causes of credit risk in SMEs in supply chain finance.This article takes the T enterprise as the concrete research object,analyzes the external financing problem existing in the T enterprise,in order to apply for the credit support from the commercial bank and realize the long-term healthy development as the goal,and further consummates the credit risk evaluation of the current small and medium-sized enterprises in our country.Index system.From the point of view of the whole supply chain,this paper expounds the characteristics of credit risk,the present situation of development and the problems faced by small and medium-sized enterprises.At the same time,the paper deeply analyzes the credit risk and the direction of the future financial market of small and medium-sized enterprises in our country,which proves that the financial business market has a broad prospect and a great potential for development in the future.Therefore,through the construction of a scientific and reasonable credit risk evaluation system for small and medium-sized enterprises,this paper not only broadens the financing channels for small and medium-sized enterprises,but also provides some references for financial institutions such as commercial banks to carry out financial business.