Research On Supply Chain Financial Credit Risk Evaluation And Prevention Of Small And Medium-sized Construction Enterprises In Qingdao West Coast Financial Development Co.,Ltd.

Small and medium-sized construction enterprises loan in Qingdao west coast financial development co.,ltd.not only accounted for a large proportion of the loan,but also involved in the construction project cycle is long,the guarantee and pledge provided is limited,the credit risk is high,so it is necessary to carry out scientific risk assessment,take effective preventive measures.However,qingxi financial development co.,ltd.still has many problems in the evaluation and prevention of supply chain financial credit risk of small and medium-sized construction enterprises,which is not conducive to the effective control of credit risk.Therefore,this paper studies the evaluation and prevention of credit risk of Qingdao West Coast Financial Development Co.,Ltd from the perspective of supply chain finance,so as to reduce the credit risk of the company and improve the efficiency of capital operation.First,in green west financial development based on the analysis of the company and its supply chain finance business profile,from the organization of risk management system,risk evaluation and risk evaluation content and methods of three sides facing the company,analyzing the present situation and problems of credit risk assessment and prevention combined with the company "2018,001 loans)" case,analyzes the main problems existing in corporate credit risk evaluation.Secondly,the analytic hierarchy process(ahp)and fuzzy comprehensive evaluation method are used to improve the risk assessment method of corporate supply chain financial credit,and the index system of supply chain financial risk assessment for small and medium-sized construction enterprises is established.The index system is applied in combination with Shandong XX construction engineering company to verify the practicability of the method.Finally,based on the risk assessment results of Qingdao West Coast Financial Development Co.,Ltd,the risk prevention countermeasures are discussed,which mainly include improving the risk prevention awareness of all employees within the company,obtaining information of small and medium-sized enterprises through multiple channels,carrying out quantitative assessment of credit risk,and strengthening post-loan monitoring and inspection.The main conclusions of this paper are as follows:the problems existing in supply chain financial risk assessment of small and medium-sized construction enterprises are clarified,which are manifested as lack of clear enterprise access threshold,single enterprise information access way,lack of systematic risk assessment system,and neglect of post-loan tracking and inspection.Put forward the more scientific risk assessment index should also include the index of supply chain project itself,the index of core enterprises and the characteristic index of construction enterprises.In terms of index weight,the largest index weight of the first level is the situation of small and medium-sized construction enterprises,and the weight coefficient is 0.5390.The second is the overall situation of the supply chain,with a weight coefficient of 0.2973.The third is the core enterprise,the weight index is 0.1637.