Research On Risk Management Of Supply Chain Finance Business Of Industrial Bank

Supply chain finance,as a new financing model in which commercial baniks connect core enterprises with upstream and downstream enterprises,has been favored by many banks since Shenzhen Development Bank first launched supply chain financial brand in domestic banking in 2006 because it can not only effectively solve the financing problems of small and medium-sized enterprises,but also extend the deep service of banks.Especially in February 2016,after the people's Bank of China and eight ministries and commissions issued some opinions on financial support for stable industrial growth and increasing the efficiency of the structure,supply chain finance has developed rapidly.However,the supply chain finance business,which has great market potential,is due to the fact that the supply chain finance business has great market potential.In that short time,system,facilities and technology of our country,there are many problems,such as the lack of management experience and the complex market environment.And has become an important factor to restrict its development.Thereforechow to identify its associated risks,especially to strengthen the risk management of the supply chain financial business of the subject commercial bank,and to set up a perfect risk prevention system,is the key to guarantee the healthy development of the supply chain financial business.However,the current research is still far from meeting the practical needs,especially the operation level of the financial business of the bank supply chain Research results of risk management case.On the basis of this,this paper selects the first "Equateur Bank"_Xingye Bank of China as the research object,based on the relevant theories such as risk management and the like,and uses the research methods such as literature research,case analysis and comparative analysis to identify and evaluate the risk of the supply chain financial business of Xingye Bank.In order to provide some reference for the risk management of supply chain financial business of Xingye Bank,it is also expected to provide some reference for the risk management of supply chain financial business of other commercial banks.The main contributions of this study are as follows:(1)the risk management system framework of Xingye Bank's supply chain financial business is constructed.(2)the risk evaluation index system of three modes of Xingye Bank's supply chain financial business is classified and designed,in which Xingye Bank's prepaid account financing business and movable property pledge financing business select 24 factor layer indexes to construct the risk evaluation index system.The latter's risk evaluation index system increases the consideration of pledge,the risk evaluation index system of accounts receivable financing business weakens the consideration of third party logistics factors,and selects 18 factor layer indicators to construct the risk evaluation index system.(3)Analysis and analysis of the risk evaluation index system.Compared with the three types of risk identification and evaluation of supply chain financial business of Xingye Bank.The research shows that the risk of prepaid account financing business and chattel pledge financing business mainly comes from the core enterprise and the third party logistics,and the case risk weight is the core enterprise factor>the third party logistics factor>the supply chain factor>the financing enterprise factor.The risk of accounts receivable financing business mainly comes from the financing enterprise,the risk weight of the case is financing enterprise factor>core enterprise factor>supply chain factor.(4)combining the universal risk management problem with the typical business case,categorizing and summing up the common risk of each business model,aiming at Xingye Bank.Put forward all kinds of business model risk prevention and control suggestions.