Research On Financial Risk Management Of PA Bank's Online Supply Chain

In recent years,with the development of online finance,commercial banks have begun to integrate resources to break through the traditional supply chain finance model,and develop new model of online supply chain financial business model.The traditional credit risk mainly concentrates on the credit risk of financing enterprises.The supply chain finance effectively shielded the credit risk of financing enterprises by binding the credit of core enterprises and upstream and downstream SMEs.At this time,more attention was paid to operational risk.PA Bank,as the leader of domestic commercial banks who develop online supply chain finance,occupy an important market position.In this paper,PA Bank online supply chain finance as the research object,first of all,combed the research background,purpose and significance of the paper,according to the collection of relevant literature to form the basis of this study.Secondly,based on the concept,causes,types and related theories of online supply chain financial risks,this paper briefly summarizes the general situation and development status of online supply chain finance of PA Bank,and the course from 1.0 "1+N"mode to 2.0 "orange e-net" online and 3.0 "orange e-net",and discusses the accounts receivable,prepaid accounts and inventory.Three major business models are briefly described and compared.Each model has its own characteristics,so it needs to be treated differently in the risk analysis,in-depth analysis and study of the risk points under different models,establish a risk index system,use six variables to analyze the PA Bank online supply chain financial risk management practice,which are core enterprises,SMEs,third-party logistics companies,PA Bank,collateral and online supply chain financial platform.Then,the paper puts forward some suggestions for the decentralization of industry layout,the instability of customer groups,the serious homogenization of financial products,and the unscientific risk measurement methods.Finally,business practice experience is summarized to provide reference for other enterprises that are exploring related business,and make bold assumptions about the future development direction and mode of supply chain finance.