Research On Risk Control Of Supply Chain Financial Business Of Bank Of A

SMEs are an important part of China's market economy.Not only provide a large number of jobs and alleviate employment pressure,but also optimize the economic structure and ensure the moderate growth of the national economy.How to solve the financing difficulties of SMEs has always been the focus of attention of all parties.Supply chain finance,as a new type of bank's financial service products,has been in a rapid development stage in China in recent years.Banks inject funds into the real economy through supply chain financial services are key points and breakthroughs to solve the financing difficulties and high financing costs of SMEs.Supply chain finance has become the focus of competition among major banks,and it is a new driving force for the growth of bank business scale and profit.However,the development of supply chain finance in China is relatively short.Banks continue to explore and practice,there are still many shortcomings in terms of systems,facilities,technology,and awareness.The unique risks of supply chain financial business and the risks of traditional credit business are intertwined,which has become an important factor restricting their development.Therefore,strengthening the research on risk management and control has become a top priority for the healthy development of bank supply chain finance.In recent years,research on supply chain financial risk management has gradually increased,but there is less research on how domestic local commercial banks develop supply chain financial services,at the same time,research on their risk control is limited,and the supply chain financial risk control of local commercial banks has been strengthened.Research and analysis are necessary.The whole article is based on the ideas of asking problems,analyzing problem,and solving problems.First of all,this article introduces the research background from the current difficulties in financing domestic SMEs,the country's strong support for the development of supply finance business,and the serious non-performing loans of commercial banks across the country.It emphasizes the importance of A Bank in strengthening risk control while developing supply chain finance business.Secondly,this article reads and summarizes domestic and foreign scholars' research on supply chain finance and risk control,describes the main research ideas and directions of this article,and introduces the relevant theories and main models of supply chain finance.Then it introduces the basic development of supply chain finance business of A Bank and the current status and effect of risk control,laying a theoretical foundation for subsequent research.Thirdly,through the analysis of specific cases of Bank of A,the main risks faced by Bank of A and the main problems of risk control were analyzed,and the problems were analyzed in depth to find their corresponding causes.Finally,after analysis,it is found that Bank of A is currently facing market risk,credit risk,operational risk,etc.Based on these risk factors,relevant measures to improve the financial risk management of Bank of A's supply chain are proposed,hoping to have some reference for peers.Through the research,this paper puts forward the following suggestions for the risk prevention and control of the supply chain financial business of A bank: First,choose high-quality collateral to reduce market risk;the second,carefully select core enterprises and small and medium-sized enterprises to reduce credit risk from the aspects of industry,regional share and sense of responsibility;the third is to optimize the financing process,improve the ability and level of supply chain finance practitioners,clarify the rights and responsibilities of business operators,and strictly implement the reward and punishment system to reduce operational risks;the fourth is to introduce supply chain finance professionals,strengthen the construction of the supply chain finance team,and form a professional team to vigorously develop the business while effectively controlling the generation of various risks;fifth,the use of blockchain technology to ensure the authenticity of the information obtained by banks,avoid the occurrence of false transactions and improve the credit level of SMEs,improve the overall operating efficiency and risk control capabilities of the supply chain,and solve the problem of information asymmetry between banks and enterprises;the sixth is to establish a supply chain financial guarantee mechanism,improve the construction of information systems,and set up intelligent risk early warning mechanism.