Research On The Risk Assessment And Prevention Of Supply Chain Finance In Guangfa Bank

To solve the financing difficulties of small and medium-sized enterprises is a permanent research topic of domestic and foreign financial business,in order to solve this problem,China has been practicing on the basis of drawing lessons from the economic exploration of developed countries.In order to reduce the financing cost and improve the capital flow rate of enterprises,supply chain finance began to develop in banking and financial institutions,and has been gradually widely adopted by other financial institutions.The research object of this paper is the risk assessment and prevention of supply chain finance of Guangfa Bank,and the reason for choosing this topic is that Guangfa Bank has carried out supply chain finance business in 2010.Business growth in automotive supply chain finance grew rapidly in 2013-2015,and the online supply chain finance business was developed in 2018.Although the banking financial business developed smoothly,but in the risk assessment and management is still relatively weak,there are certain risks,so the supply chain financial risk assessment and risk prevention of Guangfa Bank carried out a study.This paper combs through the relevant literatures of supply chain finance and risk control,and studies and analyzes the supply chain financial risk through field visits,case analysis,questionnaire survey and data model.This paper adopts the general risk research method,that is,comprehensive analysis of risk identification,risk assessment and risk control.Through the analysis of the financing of accounts receivable,advance financing and movable property financing in guangfa bank supply chain,the case is analyzed,the case is summarized and the risk level indicators are identified,including the financial risks of market,macro-control,law,credit,operation,third party and trade chain supply chain,and then 17 secondary indicators are subdivided by the above-level indicators.In reading this paper,the risk is assessed by means of questionnaire statistics and hierarchical analysis,first of all,120 questionnaires are distributed to the supply chain business personnel of Guangfa Bank,and the staff's assessment of the risk situation is calculated,and the data of the risk index is obtained as a reference.In this paper,in the supply chain financial assessment of Guangfa Bank,the use of hierarchical analysis,please go to 7 other financial institutions of supply chain finance experts to score,to obtain the risk weight of the first-level indicators.In order to explore the risk weight of the secondary index,the weighted average method is used for statistics.Risk level judgments are made according to the different levels of general,important,and dangerous.From the results,general level risk includes interest rate risk,exchange rate risk,price risk,non-resisting risk,technical risk,qualification risk,coordination risk,overall risk.Important level risks include industrial risk,imperfect legal risk,product risk,default risk and moral hazard.Risk-level risks include non-compliance risk,operational risk,compliance risk,and regulatory risk.According to the established risk level,the risk factors are targeted and targeted,and the introduction of big data thinking helps improve risk prevention.This paper has practical significance for the targeted research on supply chain finance of Guangfa Bank to avoid and financial risks and enhance competitiveness.