Research On Problems And Countermeasures Of Supply Chain Financial Risk Management Of Q Bank

At present,China attaches great importance to and vigorously supports the real economy,and has issued a series of policies to actively guide financial institutions to improve the living environment of small,medium and micro enterprises.At the same time,with the fierce competition in the banking industry,in order to seek new business growth points,financial institutions themselves also have a strong desire to create new growth points in the field of supply chain finance.Supply chain finance is an innovative financial product that is different from the traditional credit business.It has strong comprehensiveness and multi-party coordination,and the risk management method for this business needs to be established.Q Bank has problems in supply chain financial risk management,so it is urgent to find effective solutions.Especially under the impact of the current coVID-19 epidemic,the banking industry should not only respond to the national call to do a good job in supporting small,medium and micro enterprises,but also identify risk customers to ensure the safety of bank funds,which makes the risk management of supply chain finance business more important and urgent.In this paper,the researchers from Q bank to carry out the supply chain finance business is engaged in the related risk management at the beginning of work,through the analysis of domestic and foreign research in the field of financial risk management in supply chain,combines the actual conditions of the Q bank supply chain finance business risk management,using the method of questionnaire and depth interview,analysis the Q bank financial business in the supply chain risk management problems,deeply and systematically analyzes the reason behind the problems,put forward the corresponding solution countermeasures.Under the guidance of the enterprise's comprehensive risk management theory,after analyzing the results of questionnaire survey and in-depth interview,it is found that Q Bank has the following problems in the risk management of supply chain finance business: first,there are defects in the credit granting and approval system;Secondly,the credit evaluation system is insufficient.Thirdly,the system operating platform needs to be built urgently.Fourth,the risk prevention system remains to be standardized.In view of the above problems,the researcher proposed corresponding solutions,which were improved from four aspects,namely,the credit approval process,the credit evaluation model,the system operation platform and the risk prevention system.Second,develop a comprehensive risk assessment model;Third,build a comprehensive system operating platform;Fourth,improve the management and supervision system based on the whole process.The research results of this paper not only directly promote the problems in supply chain financial risk management of Q bank,but also provide some reference for the practice of optimizing supply chain financial management in the banking industry.