The Research In Supply Chain Finance Risk Management Of Commercial Banks

In the development of our country's social economy,small and medium-sized enterprises(SME's)have strong development potential and competitive ability.They are of great importance to China's economic growth.However,low credit,nonstandard management system,weak guarantee forms and capacity all lead to the difficulties of SME's financing,which seriously affect and restrict further development of SME's.Under the traditional credit mode,commercial banks chase for profits which gain from financing.While as the ones who manage the risks,commercial banks have to be strict to enterprises' risks.Compare to those with high credit,standard management system and mortgage secured large enterprises,SME's are hard to get loans from commercial banks.Recent years,regulators have launched a number of initiatives to support the development of SME's,helping them obtain financing from banks and other financial institutions.Under the comprehensive consideration of balancing the strict risk control of commercial banks and alleviating the financing difficulties of SMEs,commercial banks have explored a new financing mode.Based on the supply SMEs and the real trade background of the supply chain,they have aggregated the logistics,business and information flow in the supply chain,and developed the supply chain fund relying on the credit of the core enterprises in the supply chain.Compared with the traditional credit model of banks,the supply chain finance model links the core enterprises,high-quality distributors or suppliers,and commercial banks in the supply chain by opening up the upstream and downstream enterprises of the supply chain.Supply chain financial mode has a real trade background.Assets such as accounts receivable,prepaid accounts and inventory formed in supply chain transactions can be used as credit enhancement measures for SMEs in commercial bank loans.By virtue of the credit degree and guarantee ability of core enterprises,traditional credit needs to be guaranteed by "hard mortgage".SMEs can change the way of guarantee.Under the circumstances that banks determine the risk is controllable,SMEs can obtain financing from commercial banks.The origin intention of supply chain finance in commercial banks is not only to alleviate the financing difficulties of SMEs,but also to reduce the risks caused by the imperfect credit information or various management problems of SMEs.But at the same time,there are also some inherent risks in supply chain,such as credit risk and operation risk of supply chain financial business.At the same time,the author encountered some new problems in the practice of supply chain finance in commercial banks.Therefore,this paper aims to improve the risk identification and response measures of supply chain finance of commercial banks according to the cases encountered in practice,so as to truly realize the original intention of supply chain finance,so that the development of supply chain finance of commercial banks can not only respond to the support requirements of the government for SMEs,realize the social responsibility of commercial banks,effectively solve the financing difficulties of SMEs,but also effectively control the risks of commercial banks in supply chain finance and realize the economic benefits of commercial banks.