Research On Credit Risk Management Of Supply Chain Finance Of A Commercial Bank

Nowadays in Supply Chain Finance(“SCF”)business,financial services has been extended to enterprises in the whole supply chain,which lead to the changes of commercial Banks by only serving one single enterprise mode.On the one hand,the emergence of SCF business is to solve the problem of financing difficulties for SMEs,it also helps banks to go deep into the operation of enterprises,hence strengthen the control of the credit risks.In recent years,along with the increasing growth of SCF business in commercial banks,the market's demand for SCF business innovation has been increasing,whereas the problems in credit risk management have gradually emerged,which requires commercial banks to establish a scientific SCF credit risk evaluation system.This paper analyzes the current situation of financial credit risk in bank supply chain.Using analytic hierarchy process and fuzzy comprehensive evaluation model,the credit risk evaluation index system is constructed.This article takes B company's SCF credit as a research case,evaluates B company's actual credit risk with above model,and verifies the evaluation model.Finally,it defined whether to credit enterprises or not.Last,the credit risk management of Bank A is put forward,based on the main factors affecting the financial credit risk of supply chain.An overall conceptual framework will firstly be introduced in this Article,including:1)the concept of the SCF and credit risk,2)characteristics,3)domestic and foreign research status of SCF and related theoretical research,which constitute a solid theoretical foundation for this investigation.Furthermore,there searcher comprehensively analyze company A from following perspective,1)the actual development status of the SCF,2)three major financing modes in supply chain,3)credit risk management situation in supply chain.In This section,based on the actual situation of credit risk management in A Bank,it identifies and characterizes four major types of risk: 1)risk of SMEs,2)the core enterprise risk,3)trading assets risk,4)supply chain risk.Then,based on these four risks,the indicators will be selected by hierarchy analysis and FUZZY comprehensive evaluation methods,and supply chain credit risk modelling is established.Meanwhile,B Company will be taken as an example to verify the accuracy of the model.Eventually,this paper proposes the strategies of SCF from four aspects,through the specific analysis on Bank A,they are: 1)small and medium-sized enterprises,2)core enterprises,3)supply chain financial situation,4)trading assets,further concludes the guarantee measures of risk management.