The Research On Internet Supply Chain Financial Credit Risk Assessment

Supply chain finance is an innovative financing mode which takes into account the trade authenticity and credit status of enterprises in the whole industrial chain,and provides credit for enterprises in the supply chain.It effectively alleviates the difficulties of financing and expensive financing for small and medium-sized enterprises.However,due to the complexity of the traditional supply chain financial approval procedures and the low financing efficiency,with the emergence of the Internet,big data algorithm and artificial intelligence technology,the financing needs of enterprises in the supply chain can be quickly matched.At the same time,the credit status of SMEs in the whole supply chain and the risks in the supply chain can be monitored comprehensively,which greatly improves the financing efficiency of enterprises.To reduce the risk of financing,the Internet supply chain finance has quickly been favored by the market.In addition,the financing mode of Internet supply chain finance is different from the traditional financing mode,so it is necessary to accurately assess its credit risk and control the financing risk.The first part of this paper summarizes the concepts,financing modes and credit risk evaluation of Internet supply chain finance at home and abroad to help us better understand the essence of supply chain finance and credit risk;the second part elaborates on the relevant theories of Internet supply chain finance and introduces the traditional and modern credit risk evaluation theories;the third part summarizes through integration.Relevant literatures have analyzed and studied the influencing factors of financial credit risk in Internet supply chain,and constructed the credit risk evaluation index system.At the same time,the principal component analysis and logistic regression model are selected to establish the model.The fourth part uses principal component analysis and logistic regression model to carry out empirical research on sample data,and constructs logistic regression model to carry on the credit risk of enterprises.Finally,taking the steel andsilver e-commerce enterprises listed on the new third board as an example,the paper evaluates the credit risk of the steel and silver e-commerce enterprises by using the Logistic regression model constructed in the fourth part of this paper,and provides relevant suggestions for reducing the credit risk of the steel and silver e-commerce enterprises.Through the research,we can see that the Internet supply chain finance plays an active role in solving the financing difficulties and financing costs of small and medium-sized enterprises,but there are many factors affecting the financial credit risk of the Internet supply chain,so financial institutions still need to control the risk when issuing loans.