| Today,the Internet has brought a huge model impact to commercial banks.The phenomenon of “financial disintermediation” has become increasingly serious,and the market share of commercial banks' supply chain financial services has further narrowed.In this regard,major commercial banks actively explore innovative supply chain financial business models,build online supply chain financial platforms and optimize online business process to enhance the efficiency of supply chain financial services,and deepen the value of supply chain finance.However,the development of online supply chain financial services puts higher requirements on the risk management standards of commercial banks.The issue of online supply chain financial risk management has attracted the attention of commercial banks.Shanghai Pudong Development Bank is in the leading position in the field of supply chain finance.It has proposed corresponding supply chain financial service solutions at different stages of development with outstanding performance.At present,the global supply chain finance 3.0 service plan launched by Shanghai Pudong Development Bank has become the supply chain financial brand of Pudong Development.However,the risk management system of the online supply chain financial model is not perfect.“Heli” is the first financial product launched by Shanghai Pudong Development Bank and China Mobile in the telecom industry,which has a milestone significance.Based on this,this paper studies the risk management of online supply chain finance from the perspective of commercial banks,selects “Heli” of Shanghai Pudong Development Bank as the main body of the case,explains its operation process and analyzes its risk management system,summarizes the existing problems and finally proposes solutions.Based on the existing online supply chain financial risk management system of Shanghai Pudong Development Bank,the risk management link is divided into pre-lending investigation,loan control and post-loan management according to the operation process of “Heli”.Analyze the risk problems existing in each link and conclude that the risk management organization system is imperfect in the operation of “Heli”,the risk is not viewed from the perspective of the supply chain as a whole,the risk management of the transaction is insufficient,and the risk supervision in the loan and after the loan is not strong.Also the level of data sharing is not high.In response to the above problems,the solution measures are proposed in turn,which leads to the development direction of commercial banking online supply chain financial business and proposes corresponding risk management recommendations,thus providing reference for the development and risk management of commercial bank online supply chain finance. |
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