Research On Operational Risk Management Optimization Of Z Bank’s Supply Chain Financial

Recent years,with the continuous optimization of financing business by domestic commercial banks,supply chain finance has been widely developed among mainstream domestic commercial banks as a business for small and medium-sized enterprises to obtain cash flow support.The cash flow revitalization of small and medium-sized enterprises has become increasingly crucial for their own business development.At the same time,this requires commercial banks to continuously improve their ability to serve small and medium-sized enterprises.More and more small and medium-sized enterprises can rely on their business supply chain to obtain financial support from commercial banks.However,the development of the supply chain financial business of commercial banks has encountered resistance due to the large volume of business in the aspect of supply chain financial operational risk and the difficulty in verifying the authenticity of business.Z Bank is a large domestic commercial bank,and its supply chain finance business started early.Z Bank’s own supply chain finance business has encountered prominent problems in terms of business authenticity,high intensity business processing speed,data analysis and problem-solving,which is not conducive to the long-term development of the business.Faced with the trend of future financial development,the supply chain model will become the mainstream logic of future financing.This paper focuses on the operational risk management of supply chain finance of Bank Z,puts forward problems and optimization measures.Through literature analysis,this paper analyzes the supply chain finance,operational risk,operational risk management and operational risk management of supply chain finance and concludes that there is room for optimization of operational risk management of supply chain finance.Through the comparative research method,compare the difference between supply chain finance business and traditional credit business in business volume and other aspects,and find out the difference of supply chain finance in operational risk.Through the case study method,Z Bank was introduced as the research case bank to study the development status of its supply chain financial business,and combined with PEST analysis and SWOT analysis,the external environment,strengths,weaknesses,opportunities,and challenges faced by Z Bank’s supply chain finance and operational risk management were analyzed.Through the data of the questionnaire survey,the operational risk management problems and the causes of Z Bank’s supply chain finance exist.Combined with the above research issues,targeted suggestions are put forward for the optimization of Z Bank’s supply chain financial operational risk management policy.It is suggested to strengthen the investment in financial technology,especially the blockchain technology enabling supply chain finance,to solve the operational risk brought by the characteristics of supply chain finance.It is suggested that Bank Z should adjust its organizational structure,promote supply chain finance as a functional department,facilitate more targeted development and management of supply chain finance business,and propose a more practical operational risk management system.It is suggested that the supervision department should enter the supervision of supply chain financial business as soon as possible,propose timely and effective supply chain financial supervision policies,and ensure the sustainability of financial innovation.