Credit Risk Evaluation Of Inventory Pledge Financing From The Perspectives Of Standardization

Inventory pledge financing is one of the important forms of supply chain finance.It is an important force to promote economic development and improve the competitiveness of enterprises,and it is crucial to help enterprises survive during the economic crisis and support economic recovery.This type of financing allows borrowers to use their inventory to obtain a revolving line of credit.This kind of financing is more readily available than conventional financing options,which typically require fixed assets to secure the loan.There are also many risks in supply chain finance,such as transactions involving multiple parties leading to irregular processes,a wide variety of financial products leading to inconsistent cognition and understanding of products,and complex contracts and agreements between parties leading to transaction efficiency and security.It is foreseeable that for a long time in the future,an important bottleneck in the development of supply chain finance is risk control.Standardization can improve efficiency,reduce costs,improve transparency and risk management ability,and is of great value to promote the development of inventory pledge financing business and promote the innovation of supply chain finance.Therefore,it is very important to incorporate the implementation of supply chain standardization into the risk assessment of supply chain finance.In this paper,the inventory pledge financing credit risk index is combined with the standardized use situation,and the inventory pledge financing credit risk in supply chain finance is evaluated and analyzed from the perspective of standardization.This paper first introduces supply chain finance,inventory pledge financing,and related concepts of credit risk,then introduces the construction principles of credit risk system,and constructs the inventory pledge credit risk evaluation index system from the perspective of standardization.The evaluation indicators include credit risk,legal risk,operational risk,pledge and supply chain risk,and the use status of the standard is added into the corresponding indicators.The evaluation model uses analytic hierarchy process to determine the weight of each index,and uses fuzzy comprehensive evaluation method to get the final evaluation index.Finally,through the analysis of actual cases,the risk is comprehensively evaluated,and it is found that the evaluation of inventory pledge financing risk after adding standardized indicators is more in line with the reality,and the credit status of enterprises with better standardized application is improved,which plays a positive role in the efficiency and security of supply chain finance.