Research On Risk Management Of Automobile Supply Chain Finance Of Bank A

As a new type of banking service product,supply chain finance has rapid development in China in recent years.There are many types of supply chain finance,among them,auto supply chain finance is developing rapidly,Automobile supply chain finance is about automobile industry,banks rely on the core enterprise of the supply chain,combine upstream suppliers and downstream distributors to provide financial services for enterprises in the whole supply chain by integrating various resources in the supply chain.Automobile supply chain finance solves the financing problem of small and medium-sized enterprises in the supply chain,makes banks disperse financing risks,expands the business depth of banks,and opens up new profit sources for banks.The development of automobile supply chain finance in China is relatively short.The development of automobile supply chain finance by banks is still in the process of gradual exploration.There are still many deficiencies and risks exposed.Banks should conduct more in-depth research on the risk management of automobile supply chain finance.This paper takes bank A as the research object,this paper first analyzes the current situation of risk management of Bank A's automobile supply chain finance,through risk identification,risk assessment,and risk control to analyzes the problems of risk management about Bank A's automobile supply chain financial.Then identify the risk of automobile supply chain finance of bank,finds the risks of Bank A's automobile supply chain mainly come from four aspects as follwing: the qualification of financing enterprises,the qualification of core enterprises in the supply chain,the operation status of the supply chain and the quality of pledged assets under financing projects.Based on the risk identification,the risk assessment model of Bank A's automobile supply chain finance is established.This paper selects the financing of the downstream dealers in the supply chain as an example to illustrate the application ofthe risk assessment model.Bank A can give the risk assessment results to Different credit lines.Finally,control the risk according to the results of risk identification and assessment,this paper puts forward the corresponding risk control methods for the four aspects of the qualification of financing enterprises,the qualification of core enterprises in the supply chain,the operation status of the supply chain and the quality of pledged assets under financing projects.Through the research above,we hope to provide some help for bank A to develop and expand auto supply chain finance in the future,at the same time,can provides some experience for other banks to carry out risk management of automobile supply chain finance.