Research On The Financial Credit Risk Assessment Of Commercial Banks' Online Supply Chain

In recent years,under the strategic requirements of financial services for the real economy,supply chain finance has developed into an effective way to solve the financing problems of SME.However,due to the high cost of information acquisition,slow operation efficiency of supply chain,and difficulties in risk management,many small and medium-sized enterprises are still unable to obtain financing in a timely and effective manner,and the financing efficiency of traditional supply chain financial model is relatively low.With the emergence of Internet,Internet of things and other technical means,the online supply chain financial model came into being.As the main participant of online supply chain finance,commercial banks expand bank customer groups through online supply chain finance business,and also vigorously develop intermediary business.Online supply chain finance business has become a new focus of commercial bank business development.As a new financial innovation mode,online supply chain finance is inevitably accompanied by risk management problems,and credit risk has always been the focus of supply chain financial risk management,so how to effectively control and manage the online supply chain financial credit risk of commercial banks is an important issue for commercial banks.The theme of this paper is the credit risk management brought by commercial banks in the process of developing their own online supply chain financial business.Firstly,by combing the development process of supply chain finance in China in recent years,focusing on the analysis of the essence,characteristics and participants of online supply chain finance,we can get the advantages of online supply chain finance compared with traditional supply chain finance;then,from the analysis of the traditional supply chain finance business model and the current online supply chain finance model,we can get the conclusion that commercial banks should transfer to This paper analyzes the advantages of the development of online supply chain financial business,and the sources of supply chain financial credit risk in the process of developing business,so as to find out the influencing factors of supply chain financial credit risk in commercial banks.On this basis,this paper selects risk evaluation indicators from the four influencing factors of financial credit risk of online supply chain,which are the status of financing enterprises themselves,the status of core enterprises,the industryenvironment,and the overall operation status of online supply chain.Through factor analysis,the risk evaluation indicator system is established.Finally,the evaluation indicators are regressed and verified by logistic model,and the commercial bank online is obtained In the financial credit risk management of upper supply chain,the degree of online platform construction,the participation of commercial banks,the cooperation period between financing enterprises and core enterprises,the status of financing enterprises themselves and the status of core enterprises are all important factors.