Research On Credit Risk Of Different Financing Mode Of Supply Chain Finance In China’s Commercial Banks

With the intensification of international economic competition,supply chain management business produced rapidly and the new development of international finance,large enterprises and logistics companies to carry out supply chain finance business.At the same time,with the domestic financial industry and the rapid development of enterprise funds for thirst degree deepening,domestic banks are also carried out the supply chain finance business,in order to solve the financing difficulties of domestic enterprises at the same time,expand their performance,enhance operating efficiency,in order to meet new challenges.To expand financial services supply chain plays an active role,important banks to expand the scope of business at present,China’s commercial banks have launched related products for various supply chain finance,mainly concentrated in the accounts receivable,prepayments and inventory of the three financing mode,the development of supply chain finance business thriving.But with the business With the rapid development,and is all kinds of risks in the supply chain finance,the most important is the credit risk,so the research of credit risk management becomes very important,this paper will be combined with the actual case,to study the credit risk management of our commercial bank supply chain finance business.To identify the risk,find the causes of the risk,to find preventive measures,so as to promote the development of this business.This article from the supply chain finance and risk management literature,first brief introduction to supply chain finance and credit risk related to the theoretical basis,and then the three modes of supply chain finance business of Commercial Bank of credit risk identification and analysis combined with the practical case of credit risk respectively all kinds of patterns,finally on the basis of theoretical and empirical analysis put forward countermeasures to strengthen our country commercial bank supply chain finance credit risk management.The research contents of this paper are as follows: the first chapter is the introduction part,the main research background,the significance,ideas,contents,methods,technical route and innovations of the paper;the second chapter is the theoretical basis,including the supply chain finance related overview of related theories and literature review;the third chapter is the supply of financial services the basic characteristics of commercial bank credit risk and the overall characteristics,mainly to the commercial bank supply chain finance business participants,financing mode,basic characteristics,and the credit risk of the business overall characteristics were analyzed;the fourth chapter is the analysis of commercial bank supply chain finance business in different financing mode of credit risk status and causes,respectively accounts receivable,prepayments and inventory credit risk status of the three financing modes are analyzed,and analyzes the causes of risks arising from the article;The five chapter is the analysis of the factors affecting the credit risk of different financing models of supply chain finance business based on the actual cases,respectively,through specific case of accounts receivable,prepayments and inventory credit risk factors affect the three financing modes are analyzed;the sixth chapter is the problems and cause analysis of different financing mode of credit risk management commercial bank supply chain finance business,to cause level of credit risk management of commercial bank financial services supply chain is analyzed;the seventh chapter is the countermeasures to strengthen the business credit risk management of our commercial bank supply chain finance,separately from the business processes,supporting facilities,and put forward the corresponding countermeasures of legal system and management tools and so on;the eighth chapter is the conclusion.This study found that,for the three kinds of financing modes in the credit risk management,to conduct detailed due diligence on the financing of enterprises and the core enterprise management and credit status,the pledge of the value of goods and other relevant aspects to strengthen the attention on the relationship between supply chain enterprises should pay attention to the analysis in addition,in the accounts receivable mode,the need to strengthen the investigation of accounts receivable authenticity and uniqueness;in the prepayment mode,should pay attention to whether the enterprise has the joint Piandai situation,and the pledge has not been repeated pledge;in inventory mode,you need to pledge product value and the third party logistics strength and credit strengthen the attention.