Research On Optimization Of Credit Decision-making In Supply Chain Of Bank Of China Xuzhou Branch

Under the background that the competition in the financial market is becoming increasingly fierce and the traditional credit varieties can,t solve the financing difficulties of small and medium-sized enterprises,supply chain finance emerges as the times require.Bank of China,as an established state-owned bank,is deeply influenced by the traditional credit model,and there are still many problems in the decision-making of supply chain finance,such as low efficiency and so on.Under this background,combined with the relevant theories of supply chain finance and the present situation of supply chain credit decision-making of Bank of China Xuzhou Branch,this paper reveals the problems existing in the process of supply chain credit decision-making in Bank of China Xuzhou Branch,such as that the influence degree of supply chain credit decision-making factors is not clear which can not be used as a favorable support for credit decision-making;the process of credit decision-making mechanism is complex and the efficiency is low;not only the risk examination and approval but also the decision-making lack of independence;the effective constraints and incentive mechanisms are missed,and so on.In view of the above problems,the data are obtained by questionnaire survey of the relevant business personnel of Bank of China Xuzhou Branch,and then the exploratory factor analysis,correlation analysis and multiple regression analysis are used for empirical analysis.Then,in view of the problems existing in the current supply chain credit decision of Bank of China Xuzhou Branch,combined with its influencing factors,this paper puts forward some optimization countermeasures,such as optimizing the organizational structure,realizing the right and responsibility pair;putting the risk front which can ensure credit audit is not a mere formality;interest-oriented,improving constraint incentive mechanism inside the bank,and so on.Finally,through the application of the case optimization of supply chain financial credit decision of vegetable agricultural and non-staple food processing enterprises,the supply chain financial decision of Bank of China Xuzhou Branch is further discussed.