Study On Supply Chain Financial Risk Management Of Z Bank

Supply chain finance has been developed for more than 20 years in China.As an important way to alleviate the financing problems of small and medium-sized enterprises,it has developed rapidly in recent years under the promotion of small and medium-sized Banks.Supply chain finance the core enterprise and upstream and downstream enterprises overall tas risk assessmen object,relying on the core enterprise credit and real trade background between supply chain enterprses,integration of information floital and other related information,for enterprise on the supply chain financing,settlement,cash management and a series of comprehensive financial services.As a self-compensating trade financing,supply chain finance effectively solves the problems of irregular financial system,lack of collateral and financing difficulty of small and medium-sized enterprises.Therefore,supply chain finance has a broad development prospect and has become the focus of many financial institutions.Although supply chain finance has certain advantages over traditional credit business in supporting financing of small and medium-sized enterprises,because domestic small and medium-sized Banks have been engaged in such business for a relatively short time,their business model is mostly based on the reference of large joint-stock commercial Banks,and they lack experience in risk management of supply chain business.The management concept of some small and medium-sized Banks is still stuck in the traditional credit level,which has not really formed the consciousness of risk management of supply chain finance.Due to the large number of participants and complex business processes in supply chain finance,if risk management measures cannot effectively combine with the characteristics of supply chain business,there will be no difference between supply chain finance and traditional credit,and even magnify the risks.Commercial Banks should focus on business risks and effectively prevent and manage risks that are different from traditional credit in the process of carrying out business,so as to promote the healthy and stable development of supply chain finance.Therefore,Z bank's research on risk management of supply chain finance plays an important role in promoting its business scale.The paper consists of seven parts:the first part introduces the research background,significance,content and research methods.The second part,based on the research of domestic and foreign scholars,expounds the concept of supply chain risk,introduces the participants and three basic business models,and discusses the theory and research status of supply chain financial risk management.The third part introduces the current situation and key business processes of Z bank's supply chain finance business,and points out the problems existing in the risk management of Z bank's supply chain finance through the questionnaire survey.The fourth part constructs the Z bank financial chain financial risk management system and proposes the control measures for the Z bank supply chain business risk.In the fifth part,the risk case of ZT automobile is used to explain the manifestation of supply chain risk in the actual business in detail,and the case is used to explain how to control the business risk.The sixth part combined with the problems summarized in the third part,put forward the countermeasures and Suggestions to optimize the current situation of Z bank business risk management.The seventh part is a summary of the full text and the future development of supply chain financial risk management.