Risk Management Of The Supply Chain Finance In The Business Bank

Supply Chain Finance ,is a new lending technology to see the enterprises in the supply chain as a whole.The bank lends the money to one or more small medium enterprise according to the trade relationship aswell as the characteristic of the property,which promotes the circulation of the rescourses and tightens the cooperation.With the coming of the competition between the supply chain,it is vital to promote the development of the supply chain finance.It not only meets the needs of SME,but also increase competitiveness of the whole supply chain.As a result , the rescource is well allocated.Because of high risk premium rate and promising development, banks compete to provide such kind of products and service.It will be devastating if banks are just blind to provice the service with purpose to seize the chance of the market ,while they don't have the knowledge aboout the supply chain finance or are not well acknowledeged about the difference between the supply chain finance and traditional lending model.So it is essential to make a systematic research about the supply chain finance.The paper make a research on the risk management of the supply chain finance from the view of business bank..The whole paper is divided into five parts.The first part mainly introduce the concept and characteristic of supplychain finace as well as the basic lending model .The second part features the risk of the supply chian finance and tne make a explicit list of the probable origin of the credit risk and operation risk.The third part is to find a new method to asses the credit risk.As a new lending method ,the previose credit-assessing method is not suitable any more.The paper is trying to apply the fuzzy comprehensive evaluation method to assess the credit risk considering the characteristic of the debtor as well as the mortgage.then apply this method to analyse one case.The last part mostly disscuss how to establish the risk control system.It is useful to develop a comprehensive regulation and make use of a new technology .We analy the success of the Nafin reverse factoring system and try to blueprint the electronic platform to share the information.This article concentrated on the theory of the appliction o f the supply chain finance, quatitative and qualitative research methods are both taken, which make a strong practical significance for the bank'sfinancial product innovation.