Research On Supply Chain Financial Risk Management Of Bank Of China Ningbo Branch

Today,with the booming market economy,China's small and medium-sized enterprises have occupied half of the national economy.With the fierce competition among banks,in order to seek new profit points,the traditional credit model has been changed.Born here.The supply chain finance business regards the core enterprises in an industry supply chain and its related upstream and downstream enterprises as a whole,based on the inventory ownership and capital flow demand,according to the characteristics of different industries in the supply chain and the situation of related enterprises.Develop a financing method that is applicable to the whole.Supply chain finance difference Traditional finance only pays attention to the financing enterprise's asset status,but takes the whole chain as a whole,pays attention to the credit status of the financing enterprise,and also pays attention to the asset status of the core enterprise in the supply chain,and the development stage of the industry in which the supply chain is located.Considering whether or not to grant credit,this has broadened the financing channels for SMEs and lowered the financing threshold for SMEs.Bank of China Ningbo Branch faces many risks in the development of supply chain finance business,such as supply chain system risk,credit risk,operational risk and pledge liquidity risk.Due to the long chain of supply chain,the large number of participants and the complicated operation,the operational risk is particularly prominent,and its prevention is particularly important.In order to better develop supply chain finance business,Bank of China Ningbo Branch conducts risk management from risk identification,risk assessment and risk control.However,there are still problems such as low quality of employees,lack of awareness of risk prevention,and inadequate internal management system.Therefore,this paper expounds the risk management measures of banks from the aspects of risk identification,risk assessment and risk control through the literature method,qualitative method and case analysis method,and the Bank of China Ningbo Branch sales and sales business as a case.Establish a sound risk management system within the bank,clarify job responsibilities,optimize operational procedures,and cultivate multi-disciplinary talents with high professional quality.At the same time,it is necessary to improve the credit access standards,select high-quality core enterprises for cooperation,and adopt strict access conditions for SMEs.Accelerate the progress of building information platforms,use big data technology,and realize the information sharing and information transparency.