The Control Of "Three Rural" Credit Risk Based On The Supply Chain Finance

Service "three rural" is a strategic decision of the party and state. The introduction of the financial model of the supply chain, in order to solve the problem of financing of the "three rural" an effective way because it has a big potential market, is becoming the new areas of banks compete with each other. Supply chain finance change the past, banks and other financial institutions on the main body of the single enterprise credit mode, full use of the structural features of the industrial supply chain and grasp of the details of the transaction of goods around the core businesses of their small and medium-sized members of the supply chain to provide financial support, which just meet the industrialization of agriculture, contract farming enterprise cluster development model of "three rural". Therefore, further study of the financing model of supply chain finance and risk control, to establish a set of "three rural" operational characteristics of the credit business mode of operation, the bank can achieve the "three rural" commercial operation of the business to ensure financial support for agriculture the enthusiasm.This article first analyzes the "three rural" credit risk characteristics that traditional credit risk control measures can not fully meet the "three rural" customers risk management needs. Thus introduced to the "three rural" credit business through the supply chain financing model can resolve the bank-enterprise problem of information asymmetry, the effective prevention and control of the "three rural" credit risk. On this basis, based on two core ideas of the asymmetric information theory: adverse selection and moral hazard, build two "three rural" credit risk control tools: Supply Chain credit pools of capital and cash flow information chain.Supply chain credit pools of capital funds from the macro level analysis of the entire supply chain transactions, reference to the development of the industry, the core line of credit and the regional line of credit, reasonable to the approved total financing needs of the entire supply chain, rather than approved by each Borrower’s credit adverse selection problems that exist in the amount to prevent supply chain financing.Cash flow information chain for the financial model of the supply chain credit risk transfer to the operating risk characteristics, by constructing the cash flow information chain to realize the seamless connection of the supply chain "Flow of information-Logistics-Cash Flow" and the parties involved close contact, from the micro implemented on capital flows monitoring, to ensure the proper use of every loan funds and client funds in a timely manner reflux, to prevent the moral hazard problem exists in the supply chain financing.