Research On Agricultural Credit Risk Management In Financial Supply Chain

Agricultural supply chain finance is a new type of financing service model.It will match and combine all aspects of the agricultural industry to form a complete ecological closed loop,so that the financing institution will assess whether the enterprise has financing qualification based on the overall credit rating of the supply chain of the loan enterprise.The steady development of agricultural enterprises is the basis for the smooth operation of China's economy.In the context of supporting“agriculture,rural areas and farmers”,the combination of the Internet and agriculture has produced an agricultural e-commerce platform for operating agricultural supply chains.The complementary advantages of traditional industries and innovative industries can solve the problem of financing difficulties in agricultural development,but it will inevitably be accompanied by corresponding risks.Therefore,in order to promote the healthy development of agricultural supply chain finance,it is extremely important to prevent and control the financial credit risk of agricultural supply chain.This paper first expounds the basic concepts of agricultural supply chain finance,summarizes the current agricultural supply chain financial model,the development process and the existing status,and summarizes the emerging credit risks.Finally,based on the risks faced by the supply chain,the corresponding prevention and control methods are proposed.In the agricultural supply chain finance,the extraction of credit risk factors is conducive to the financial institutions to monitor and prevent key indicators in the financing rating,and it is also conducive to the timely warning of agricultural enterprises to their own shortcomings.In the data analysis that classifies credit risk factors,it is first necessary to screen the main factors that cause risk.Since the development of agricultural supply chain is still in the primary development stage,inaddition to obtaining relevant financial indicator resources online,this paper also conducts on-the-spot questionnaire survey.Then use the collated data to conduct principal component analysis,select the key indicators of model credit risk measurement,and try to extract the main risk factors and logistic regression models while analyzing the risk cases of the actual agricultural supply chain e-commerce platform.The analysis results are combined to obtain the most influential credit risk factor indicators.Finally,based on the results of the risk assessment,the corresponding measures are proposed from the macro and micro perspectives.Provide relevant experience and new ideas for the development of China's new agricultural supply chain financial financing.