Research On The Risk Management Of ZTMG's Internet + Supply Chain Finance Model

With the rapid development of Internet supply chain finance,it has been the focus of scholars and scholars.The emergence in the Internet supply chain provides a new way for small and medium-sized enterprises to solve the problem of financing difficulties.However,the disadvantages of small and medium-sized enterprises ’weak ability to resist risks also bring huge risks to Internet supply chain companies.Therefore,controlling financing risk is an effective solution to the financial risks of Internet supply chain.It is also the focus of SME financing management.For this reason,this paper makes a further study on the risk management of Internet supply chain finance,taking ZTMG as an example using literature data method,case risk method and grey correlation degree model.The main research contents and conclusions of the paper are as follows:(1)The paper makes a preliminary introduction to the background of the research,the current situation at home and abroad,and summarizes the basic concepts and theories involved in the research process.It lays the theoretical foundation and research framework for the development of the full text.(2)The paper identifies the risk types of ZTMG’s "Internet + Supply Chain" financial business and analyzes the risks in its current financing business.The main performance is: market risk,credit risk,liquidity risk and operational risk four aspects.(3)Based on the grey correlation model,the paper conducted a risk evaluation of ZTMG’s "Internet + Supply Chain" Jinrongmoshi,and obtained its current risk performance as follows: The first-level risk index includes three types.Past performance of the supply chain,overdue bad debt rate and enterprise performance capacity;The secondary risk indicators include four kinds,namely,the aging period,the risk of information transmission,the liquidity of the pledge,and the personnel operating risk;Level 3 risk indicators include one,that is,supply chain cooperation status;The four risk indicators include four kinds,namely market environmental risk,the credit status of core enterprises,the performance ability of enterprises,and the security of network information.(4)Through the analysis of ZTMG’s current financing risk management for SMEs,It is found that the existing problems of the company risk are as follows: the credit evaluation of the financial customers of the supply chain is not perfect,the sound andreasonable financial risk management system of the supply chain is not developed,the understanding of the financial risk management of the supply chain is insufficient,and the internal control mechanism has certain defects.(5)In order to better promote the company’s financing risk management,This paper puts forward four strategies for risk prevention and control: one is to improve the risk supervision institution,the other is to set up the risk stop loss mechanism,the other is to update the technical equipment in time,and the other is to establish the overdue loan payment system;In addition,the author puts forward the corresponding suggestions of risk control measures from three aspects,one is to strengthen the internal risk management construction,the other is to improve the quality of enterprise personnel,and the third is to establish a perfect business operation standard flow.