Research On The Assessment Of Credit Risk Of China's Small-medium Enterprices Supply Chain Finance

Supply chain finance has developed into a new type of financing model.It has developed rapidly in China and has gradually become a new innovative means for China's major commercial banks to carry out comprehensive financing business.The supply chain financial credit method meets the funding needs of SMEs in China at this stage.The aspect has a pivotal position.The main characteristics of supply chain finance are the stability of the supply chain,the authenticity of the formation of the transaction and the credit of the participants of the financing enterprise.Therefore,this credit method enables more and more small and medium-sized entities to be included in the financial service organization's credit credit support.Object.Of course,financing under this model can't avoid credit risk.Firstly,This paper studies several common modes of supply chain financing are elaborated.Then,by reading the previous research literature to find out the various possible factors affecting the risk,and construct a corresponding evaluation index system Thirdly,using the logistic model,we selected 60 auto companies listed on the small and medium-sized board as samples,and built a regression model of credit rating for their 2018 annual report data and wind information rating,and then measured the credit risk of enterprises.After empirical analysis,the accuracy of the model in the evaluation results was tested.Finally,the results of empirical analysis show that the core enterprise status,transaction characteristics,financing enterprise's own situation and supply chain characteristics are the most important factors affecting the financial credit risk of the supply chain.At the same time,this paper combines the current situation and difficulties of supply chain financial risk management at home and abroad,and gives the countermeasures and suggestions for the supply chain financial credit risk management of China's SMEs from the perspective of banks,mainly proposes to focus on the supply chain transactions during the credit review.The authenticity of the background,the careful selection of the core enterprises for cooperation,the establishment of information sharing platforms,the full use of credit files,and the establishment of risk prevention and treatment mechanisms through cooperation with core enterprises and third-party logistics companies provide a reference for bank credit risk management.