Study On Risk Prevention Of Supply Chain Financial Business Of Financial Company A

After the rapid growth,Chinese economy has gradually entered the rational stage of slowing growth,which has led to various kinds of adverse reactions in the domestic financial market,and the overall financial environment is deteriorating day by day.Under such a financial market background,supply chain finance began to develop rapidly,because supply chain finance is a new financial management situation based on real transactions,which can help banks and financial institutions to solve many problems of non-performing loan management,and meanwhile,supply chain finance is a kind of "butterfly type" trading structure,which is based on large core enterprises and suppored by upstream and downstream enterprises,and it can penetrate multi-level suppliers and dealers and form a network trade model,which can not only rely on the credit advantages of large core enterprises to make up for the lack of credit of small and medium-sized enterprises,but also enhance the credit level and credit ability of the entire industrial chain,so it has a strong ability to resist risks.However,with the increasing number of enterprises and financial institutions involved in supply chain finance,and the risks in the industry are accumulating,if they can't carry out scientific and effective management,they will certainly repeat the mistakes of banks and other financial institutions in the past,and bring a new round of crisis to the financial market.This paper is coming to combine the real development background of domestic supply chain financial market,and make a set of scientific and effective risk prevention strategy for the supply chain financial business of Financial Company A,to protect the escort for its future long-term strategic development.Financial Company A was founded in 2004 and listed on the Hong Kong Stock Exchange after ten years,which is Chinese first universal financial group to in the international capital market.Financial Company A's business covers three major platform service system,to provide professional,safe,controllable one-stop customized production and finance solutions for financing enterprises.However,due to the deteriorating domestic financial market environment and the increasingly fierce competition in the industry,Financial Company A is constantly experiencing problems during business development,especially in the supply chain financial business,which is even more dangerous.Therefore,the author will analyze the supply chain financial business of Financial Company A,using scientific financial management theory and method.Firstly,this paper finds out the root causes of the crisis in the supply chain finance business of Financial Company A.Then it combines the basic situation of the company itself,starting with the supply chain participants such as the core enterprises,their upstream and downstream suppliers,dealers and logistics units,with the help of risk identification methods,qualitative analysis and quantitative analysis methods,financial statement analysis,etc.This paper studies three kinds of current supply chain financial business of Financial Company A: credit business of loan buyer H,factoring business of insurance broker agent and inventory pledge business of refrigerated aquatic products.Finally,the paper puts forward scientific risk prevention suggestions and countermeasures for the supply chain financial business of Financial Company A,so as to ensure that Financial Company A can get rid of the risks and crises in the supply chain financial business completely on the root causes.The research results of this paper can not only help Financial Company A solve the problem of supply chain finance business,but also provide professional reference and help for the development of domestic supply chain finance industry peer enterprises to solve similar problems.