Research On Optimization Of Risk Management Strategy Of Shanghai Pudong Development Bank's Accounts Receivable Factoring Business

Small and medium-sized enterprises are an important carrier of my country's national economic development,a new force for national economic and social development,and an important foundation for building a modern economic system and promoting high-quality economic development.However,fierce market competition has prompted more and more small and medium-sized enterprises to adopt credit sales to promote the growth of operating income.As a result,the balance of small and medium-sized enterprises' accounts receivable has been increasing year by year,and liquidity risks have become increasingly significant.The implementation of relevant legal systems such as the "Property Law of the People's Republic of China","Measures for the Registration of Pledge of Accounts Receivable",and "Operational Principles for the Registration of Pledge of Accounts Receivable" has provided support for enterprises to seek financing of accounts receivable,and has also formed a new commercial bank.Extension of customers and profitable growth points.However,in the actual operation process,with the increase in business volume and the complication of commercial behavior,coupled with the late development of my country's accounts receivable financing model,commercial bank accounts receivable credit products are as inevitable as other types of credit products Exposure of various risks.Accounts receivable credit products include account receivable factoring,account receivable pledge and account receivable securitization.Although Shanghai Pudong Development Bank has put forward the goal of "strengthening the account receivable factoring financing business,improving the account receivable pledge financing business,and specializing the account receivable asset securitization financing business",the current account receivable Credit products are mainly factoring of accounts receivable.Since 2014,the non-performing rate of SPDB's accounts receivable financing has been on the rise.This article draws on the "New Basel Capital Accord" and the theory of comprehensive risk management,analyzes the causes from the aspects of operational risk,credit risk,and legal risk,proposes risk management optimization strategies,and makes full use of financial technology,setting up a full-time risk management team,The establishment of a special risk assessment mechanism and other aspects put forward the implementation guarantee of the risk management optimization strategy.Finally,through the analysis of the Shanghai Pudong Development Bank's JN branch on YX's account receivable factoring fraud case,the theoretical analysis and countermeasures of this article are verified.On the basis of the existing literature,this article implements the above research based on years of experience and first-hand internal data of SPDB's accounts receivable factoring business,using expert interviews,brainstorming,and case analysis.The value of this article is that it enriches the case studies of the accounts receivable credit financing business,helps Shanghai Pudong Development Bank improve the efficiency of the accounts receivable credit business,and has certain reference value for other commercial banks.