Research On Credit Risk Management Of Inventory Pledge Financing In Supply Chain Finance Of Bank

In recent years,the rapid development of commercial banks has driven the prosperity of the whole financial and market economy,but also faced with fierce competition in the same industry,serious product homogeneity and other problems.All commercial banks are actively exploring strategic transformation and new profit growth direction.In addition,the rapidly rising SMEs have made increasingly significant contributions to the development of the national economy,but their development has been plagued by financing problems.Therefore,actively developing targeted innovative financial products to promote the rapid growth of SMEs has become a major issue related to China’s economic development.In addition,with the rapid development of the logistics industry,the combination of logistics and capital flow has become the focus of innovation in the two industries.Therefore,under the triple background,inventory pledge financing came into being.Inventory pledge financing is the integration and innovation of logistics and financial industry,which has the characteristics of cross industry and cross field.However,it has been carried out for a short time in China,with many participants and complex operation process,making the business face many problems while developing rapidly.In recent years,Shanghai Steel Trade and other inventory financing fraud events have led to heavy losses in the banking industry.How to effectively manage inventory pledge financing risks and reduce bank losses has become an urgent matter for banks.Therefore,on the premise of carefully combing domestic and foreign scholars’ theoretical research on inventory pledge financing,this paper studies the risk management of inventory pledge financing business from the perspective of commercial banks with the topic of identification and control of inventory pledge financing risk of commercial banks.This paper introduces the basic concepts and development status of inventory pledge financing business of commercial banks: from the macro and micro perspectives,according to the participants of inventory pledge financing,the risk of inventory pledge financing is identified,and it is concluded that there will be bank legal and operational risk,enterprise credit risk,goods market risk,and third-party operational risk in the inventory pledge financing business of commercial banks.Combined with relevant literature and risk identification content,the inventory pledge financing risk evaluation index system is constructed for comprehensive evaluation.According to the calculation results of comprehensive risk assessment and the principle of maximum subordination,the comprehensive risk of the supply chain inventory pledge financing business is at the "medium" level.Finally,combined with the specific example of Bank H,this paper puts forward improvement measures for inventory pledge financing risk management.