The Reaserch Of AgriculturalMSEs’ Financing Models And Credit Risk Based On Supply Chain Finance

Under the new normal,agriculture is developing in the direction of modernization,industrialization,and informationization.Modern agriculture has become a new driving force for the steady growth of China’s economy.Many agricultural SMEs are also booming.However,they are currently faced with difficulties in financing and financing.This paper combines theoretical models and empirical analysis to demonstrate the effectiveness of this emerging model of supply chain financing in alleviating SME financing challenges.Afterwards,three typical supply chain finance financing models were analyzed and a Logistic model was constructed.Taking agricultural SMEs as an example,factor analysis methods are used to effectively predict their credit risks.The results show that the financing companies’ debt repayment and cash flow conditions,profitability,and supply chain operations are positively related to the probability of fulfillment,and negatively related to the credit risk assumed by banks.This study looks at supply chain finance research.Taking agricultural SMEs as an example,it analyzes the rationality of supply chain finance and several common financing models.Based on this,it establishes a credit risk assessment index system for small and medium-sized enterprises.The appropriate financing solution,specific goals include:The second chapter first analyzes the theoretical basis and current situation of China’s supply chain finance development,and then compares the financing model with the traditional financing model to analyze the supply chain finance to provide an effective path to solve the current SME financing difficulties.The third chapter establishes an empirical analysis model,and further explores the mechanism of supply chain finance to release SME financing.Using the bank-enterprise matchmaking model and the cash-flow cash flow sensitivity model to explain the effectiveness of the financing model from the perspective of supply chain finance,and to verify the mitigation effect of supply chain finance development on SME financing constraints.The fourth chapter analyzes the agricultural supply chain financial financing model based on the characteristics of agricultural supply chain,namely the movable asset pledge financing model,accounts receivable financing model and prepayment financing model,and compares the differences.The fifth chapter establishes a credit risk index system to control the risk of supply chain finance through comparative analysis of different financing models.The validity of the credit risk indicator system was verified by Logistic regression analysis.The results show that:The financing and cash flow of agricultural SMEs financing companies,profitability,and supply chain operations are positively correlated with the probability of fulfillment,and presented with the bank’s assumed credit risk.Negatively related.The sixth chapter is the research conclusion and prospect.Based on the above empirical analysis,the research results of this paper are presented,so as to put forward their own opinions for the agriculture SMEs to seek a suitable financing solution.