Research On Credit Risk And Control Of Supply Chain Finance In Commercial Banks

In recent years,supply chain finance has emerged against the background of the rise of the supply chain and the business innovation of traditional banks,which not only enriches the trade finance products operated by commercial banks,but also alleviates the problem of financing difficulties for SMEs in China.When commercial banks provide relevant financial services,they need to improve the risk control of relevant products.In such a context,the importance of identifying,measuring,evaluating and managing the credit risks of enterprises involved in commercial banks’ supply chain finance business to achieve healthy and stable development of commercial banks’ own business has become increasingly important.This paper first analyzes the status quo of China’s supply chain finance and credit risk evaluation,and compares the main supply chain finance business models of commercial banks.Based on this,the thesis takes the credit risk in the supply chain finance of commercial banks as the main research object,composes and reviews the previous studies,and establishes the credit risk evaluation system from three perspectives including financing enterprises,core enterprises and the overall development of supply chain.In the empirical analysis process,this paper takes 235 SMEs with supply chain characteristics as samples,extracts a set of factors that can reflect the comprehensive characteristics of the original indexes through the principal component analysis method,and carries out the score with the logistic regression method.According to the regression results,this paper finds that the comprehensive ability of financing enterprises,the general condition of the supply chain,the credit level and solvency of core enterprises have a more significant influence on the credit risk of supply chain finance.On this basis,this paper selects the supply chain finance product "Chain Jet Loan" of Agricultural Bank of China as the main case study object,combines the actual business development of the bank,demonstrates the effectiveness of the model established in this paper with a real case of its micro customer,and provides a reliable basis for the risk control of supply chain finance for commercial banks.After the above research,this paper provides valuable suggestions and development strategies for the control of credit risk in supply chain finance of commercial banks in terms of optimizing the risk identification system,expanding the existing risk model,strengthening cross-platform cooperation,and focusing on postcredit management.