Research On Optimization Of Financial Credit Risk Management In Supply Chain Of A Construction Industry

In recent years,China's government departments have repeatedly mentioned the role of supply chain finance in public documents.With the upgrading of the money shortage,the adjustment of the economic structure and the transformation and upgrading of the construction industry,construction enterprises have adopted cooperation or self-built methods.Power supply chain finance.At the same time,however,the multi-faceted risk challenges brought by the supply chain finance business have made many companies slow in this field.How to improve the security and stability of the supply chain financial platform operation and reduce the risk of supply chain financial business has become a topic of concern to the construction industry.Among them,credit risk is the most concerned risk category in the industry.For the topic of supply chain financial credit risk management,the existing research still has the following shortcomings:First,the research perspective is relatively fixed,mainly based on the bank perspective for risk management research,lack of sufficient discussion on the platform and core enterprise's own risk management and control;The starting point is mostly the direct control of risk,and the lack of risk-corresponding supply chain financial matters and its combination with the various elements of the enterprise are closely covered.Third,there are few relevant case studies,and there is a lack of attention to the practice of self-built supply chain financial platforms in the construction industry.Based on the research basis of credit risk management,this paper takes the self-built supply chain financial platform of A construction trade enterprise(a wholly-owned subsidiary of the core enterprise)as an example.Firstly,it examines the performance and external factors of corporate default in the construction industry,and summarizes the credit risk characteristics of the construction industry.Then comprehensively use the risk identification and risk assessment tools to analyze the major credit risk exposures of the stage A enterprises and their sources,and to sort the degree of exposure.On this basis,it analyzes the problems existing in the credit risk management process of A enterprises corresponding to the risk exposures of internal and external experts and practitioners.Using the relevant theories of credit risk management,this paper discusses and gives suggestions for the platform and core enterprises to conduct supply chain financial credit risk management.This paper synthesizes the previous research and credit risk theory,and concludes that there are problems in the credit risk status of construction industry supply chain enterprises and the credit risk risk management of A enterprise supply chain financial services.The conclusions are as follows:First,the credit risk management of construction industry depends on the participation of platform,core enterprises,banks or other fund providers.;the second is to study the management of financial risk management in the supply chain of A enterprises,including supplier short-listing problems,whitelist management issues,post-loan tracking issues,sellers.Financing approval issues,buyer financing management issues;third is to propose a company's supply chain financial credit risk management optimization strategy,along the supply chain financial platform rules,construction industry supplier evaluation and management,financing approval management and post-loan credit risk monitoring And the management of four aspects.