Credit Risk Evaluation Of Bank Online Supply Chain Finance Based On Unascertained Number

With the development of Internet technology,e-commerce,big data technology and Internet of Things,supply chain finance,which serves small and medium-sized enterprises,has embarked on an online development path.For banks,as the provider of funds,online supply chain financial business brings some new credit risks while reducing the cost of financing operation.Therefore,banks urgently need to use appropriate methods to identify and evaluate the credit risk of online supply chain finance accurately and efficiently,and improve the credit risk control mechanism to reduce risk losses.This paper takes the bank-led online supply chain financial credit risk as the research object.On the basis of combing the relevant literature at home and abroad,it adopts the index selection strategy of combining macro and micro,subject evaluation and debt evaluation,and summarizes the primary indicators.On this basis,combined with the characteristics of online supply chain financial credit risk,through expert research method,expert scoring method to screen and adjust the primary indicators,and finally establish a more scientific and comprehensive credit risk evaluation index system.Then,based on the characteristics of the index system,this paper constructs a credit risk evaluation model which combines triangular fuzzy analytic hierarchy process(TFAHP)with blind number model.TFAHP is used to determine the weight of all levels of indicators.Blind number model is used to express and process uncertain information including randomness,fuzziness,uncertainty and grey.The evaluation of financial credit risk makes up for the shortcomings of traditional methods in dealing with uncertain information.Finally,this paper demonstrates the validity and practicability of the credit risk evaluation index system and evaluation model,and puts forward some suggestions to prevent credit risk based on the evaluation results,so as to promote the healthy development of online supply chain finance in banks.