Research On Credit Risk Evaluation Of Small And Medium-Sized Enterprises In Supply Chain Financing Of Jiangsu SN Bank

In recent years,the relevant state departments have repeatedly called on financial institutions to support the development of small and medium-sized enterprises actively,so commercial banks should pay attention to related work.The small and medium-sized enterprises' problems of non-standard operation,inadequate disclosure of financial information and lack of effective guarantees make commercial banks face tremendous credit risk,but supply chain financing,which is based on more competitive and large-scale enterprises,uses self-compensated trade financing methods to close capital flow and controls property rights through registration of accounts receivable pledge third-party supervision and other professional means,reducing the credit risk of small and medium-sized enterprises greatly and is popular among many banks.However,it does not mean that supply chain financing is completely risk-free.Under the current macroeconomic background of economic downturn,monetary tightening and de-leverage,the situations of domestic small and medium enterprises' capital chains break and default have risen sharply.Therefore,commercial banks should evaluate the credit risk of small and medium-sized enterprises reasonably and effectively when they conduct supply chain financing business..This paper takes Jiangsu SN Bank as the research object.Firstly,it analyzes the present situation of credit risk evaluation of small and medium-sized enterprises in supply chain financing.It finds that the bank's existing enterprise credit risk evaluation method does not consider the non-financial indicators of small and medium-sized enterprises comprehensively,the bank does not measure credit risk of small and medium-sized enterprises at the perspective of the entire supply chain,the bank neglects of the impact of industry environment on credit risk of small and medium-sized enterprises in supply chain,and the bank's evaluation of supply chain financing credit risk of small and medium-sized enterprises is mostly static analysis,lack of dynamic analysis.Then,an improved evaluation method is proposed for problems.This method firstly creats a credit risk evaluation index system which is suitable for small and medium-sized enterprises,secondly it uses analytic hierarchy process method to determine the weight of each indicators,thirdly it uses fuzzy comprehensive evaluation method to evaluate the credit risk of small and medium-sized enterprises in the supply chain financing,finally it tests the improvement effect by the case of contractos of HD real estate company.At last,some suggestions are put forward for improving the credit risk evaluation system of small and medium-sized enterprises in supply chain financing of Jiangsu SN Bank.