Credit Risk Identification And Control Of Supply Chain Finance

In recent years,supply chain finance business has been developing rapidly in China,and the total supply chain business has been playing an increasingly important role in Banks.Supply chain is an effective method for enterprises to optimize their own business processes,thus solving their own problems of raw material supply and product sales with external resources.It enables enterprises to place core resources in their own advantageous business fields,which has a key value for improving the competitiveness of enterprises.Supply chain finance refers to financial institutions providing financing services to related enterprises in the supply chain by effectively controlling the information flow,logistics and capital flow of the supply chain.As a new financing mode,supply chain-based enterprise financing not only disperses the credit risks of financial institutions,but also enables more small and medium-sized enterprises to exceed the loan threshold and be included in the service scope of financial institutions.However,for financial institutions,although supply chain finance is a successful financial innovation product,it is also a brand-new attempt.Its risk control is necessarily different from that of traditional financial business.How to effectively control the risks in supply chain financial business becomes the key to the success of supply chain financial business.Taking the supply chain finance of the Bank of China as an example,this paper systematically analyzes the risk-prone nodes and risk control emphases in the financing process,summarizes the objective risk evaluation elements with strong generality,selects the objective credit risk evaluation index of the supply chain finance,and analyzes the credit risk control system of the Bank of China in the supply chain finance.So that supply chain finance can not only meet the financing requirements of small and medium-sized enterprises,but also ensure to reduce loan risks and achieve win-win results.