Research On Credit Risk Of Supply Chain Financial Business In Commercial Banks

The first commercial bank to develop supply chain finance in China was the former Shenzhen Development Bank,which was involved in this business in 1999.With the continuous improvement of the financial market in our country,the management of the logistics,capital flow and information flow involved in the supply chain financial business is very standardized,so the banking industry of our country has begun to develop its own supply chain financial business one after another.The main operating body of this business is a typical financial institution represented by commercial banks,and the main starting point is to provide credit financing for the weak SMEs in the supply chain.The fixed assets of these small and medium-sized enterprises are small,the credit rating is not high and the financial statement information is incomplete,because these disadvantages are difficult to rely on the traditional credit mode to finance.Therefore,this new mode of financing for these minor enterprises lack of capital to bring the development of the good news.In the specific financing link,the credit status of SMEs is no longer the only condition to evaluate the credit standard.At this time,the core enterprises in the supply chain play a key role in the financing.In supply chain financing,the loan guarantee for the weak enterprises is the financial and credit status of the core enterprises.Although the development prospect of supply chain financial business of commercial banks is promising,but there are also many risks,especially need to pay special attention to credit risk.This paper mainly analyzes the supply chain financial business from the perspective of credit risk.This paper first introduces the theoretical basis of the research,and then analyzes the factors of credit risk based on the specific models and characteristics of the related business.Then it discusses how to avoid the occurrence of credit risk in the process of actual financing,so as to maximize the interests of the participants.This paper mainly from six chapters to start the discussion.The first chapter is the introduction,which simply introduces the environment of the supply chain financial business and the research results of the relevant scholars,then introduces the research ideas and methods of this paper,and finally gives some places where this business can be innovated in the future.The second chapter is a summary of some related theories,introduces the theory of supply chain finance and credit risk of supply chain finance,and gives three modes of supply chain finance business,namely accounts receivable financing mode.Prepayment financing model and inventory financing model,which makes the following narrative more profound.The third chapter is a key chapter,focusing on the perspective of credit risk.First of all,it analyzes the characteristics,sources and three specific business financing models of credit risk in supply chain financial business to identify and evaluate the credit risk.The fourth chapter is to further explore this issue in the form of case analysis,this chapter begins to analyze the development and financial situation of Yonghui supermarket,and study the strength of Yonghui supermarket as a core enterprise.Then the paper introduces the process of credit granted by Guangdong Development Bank to small and medium-sized enterprises in the supply chain with Yonghui supermarket as the core enterprise,and combines the whole supply chain system consideration to analyze the credit risk existing in the supply chain financial business in this case.And analyzed the source of these credit risks and what concrete measures to take to control.The fifth chapter summarizes the credit risk control and prevention measures of some commercial banks in the supply chain financial business,which can reduce the probability of risk in the implementation of the specific business.The sixth chapter summarizes and looks forward to this paper.It is clear that there is not enough data as the support in this paper,and there are not some classical models for quantitative analysis of credit risk at the same time.At the same time,it also gives out the aspects that can be improved in the future research.