Researchof Application Of Supply Chain Finance In Credit Risk Management Of Small And Medium-sized Enterprises In Zhuhai Jiaoyun Commercial Bank

Credit for small and medium-sized enterprises has always been the key development area and one of the main profit sources of commercial banks.However,due to the constraints of the current financial system,social credit system,as well as the inherent defects of the internal management of SMEs,such as irregular internal management,weak financial strength and risk resistanceetc.,there is information asymmetry between banks and SMEs in terms of business conditions,financial situation and loan use.Although commercial banks have a relatively complete credit risk management system for SMEs,it cannot completely eliminate information asymmetry.The frequent occurrence of credit risks seriously restricts the development of SMEs' credit business of commercial bank.Firstly,this paper makes theoretical research on SME credit,risk management of commercial bankscredit and supply chain finance of commercial banks by domestic and foreign scholars.On this basis,this paper makes a detailed analysis of the current situation and risk reasons of SMEs credit in commercial banks,Then it collects and analyses the traditional credit risk management model and credit data of SMEs of a commercial bank in Zhuhai in recent years.It points out that the information asymmetry of commercial banks is particularly serious for SMEs,which is affected by the particularity of SMEs.Although commercial banks have established and continuously improved the credit risk management system of SMEs,commercial banks still cannot reduce it.The bank's credit risk caused by the information asymmetry of SMEs is analyzed.The information asymmetry of commercial banks to SMEs is mainly reflected in the operation and management of SMEs,financial situation and loan purposes.and finally puts forward that supply chain finance effectively reduces the asymmetric information between banks and SMEs,which is an effective way to prevent and resolve the credit risk of SMEs in commercial banks.This paper finds that through the business model of supply chain finance,commercial banks can monitor the business information,logistics flow and money flow of SMEs in real time,grasp the real transaction information,money use and repayment source of SMEs,solve the adverse selection problem through information screening and transmission,solve the moral hazard problem through incentive mechanism,and then eliminate information asymmetry between borrower and lender.Supply chain finance,especially the use of Internet technology,provides new risk control means for SMEs credit in commercial banks,which is conducive to the steady development of SMEs credit in commercial banks.