Supply Chain Finance And Its Risks In Domestic Commercial Banks

In recent years, with the rise of the Internet financial, forced the banking industry reform and financial innovation in-depth, competition among the banking industry, the commercial banks adapt to the new market demand continues to increase product development and innovation, the customer relationship management in the target into the small business market. Some commercial banks began to use new technology by means of credit, operational characteristics of the capital flow, the logistics flow and the information flow in the supply chain of different industries, breaking the traditional credit idea, introduced the mode of supply chain finance, and small and medium enterprises as the main target customers for promotion. Supply chain finance as a kind of innovative products, has great social value and economic value, in meet the enterprise short-term funding needs at the same time, promote the coordinated development of the whole industry chain, on the other hand, through the introduction of the core enterprise can evaluate the risk of the capital needs of enterprises and the industry chain, can enlarge the market scope of services. Carry out the supply chain finance business can not only bring new profit for the commercial bank, to break the traditional rely on a single spread source of profit, and can improve the bank risk control ability, it is related to commercial banks in the Internet and financial enterprises in the competition can tight encirclement. But because the contract design which has a large number of participants, flexible financing mode, complex, in the process of supply chain finance promotion, commercial banks need to make accurate judgments on the supply chain finance various financing modes, can be introduced to meet different customer needs supply chain financing products, specific risks of supply chain finance difference in the traditional credit need for effective preventionand management, to enhance the supply chain financial adaptability.This article embarks from the theory and practice experience of supply chain finance is introduced and discussed, summed up the supply chain finance is different from the traditional credit business specific risks and should be relatively with the risk management method, proposed the countermeasure and the suggestion and on the basis of the supply chain finance development. This paper is divided into six parts. The first chapter is introduction. Introduces the writing background and significance, from two aspects of the concept of supply chain finance and risk management are summarized and the research literature at home and abroad, briefly introduced the research contents, methods and ideas, and points out the deficiency and innovation of this paper exists.The second chapter is bank supply chain finance overview. According to its definition, characteristics, market positioning to briefly introduce the bank financial supply chain; typical financing model for supply chain finance: financing of receivables financing, inventory financing and prepayment models were analyzed and compared introduces the development of bank financial supply chain processes, and problems in the development process.The third chapter is bank supply chain finance risk analysis. This chapter analyses the risk of bank financial supply chain, illustrates the sources of bank financial supply chain risk and characteristics of supply chain finance and banks faced a general risk analysis. Banks supply chain participants in addition to commercial banks and core enterprise, small and medium enterprises, logistics companies and third party agencies a total of five. Banking is different from traditional bank credit financing model of supply chain finance, credit financing no risk also has its traditional characteristics. This chapter from the perspective of different participants in supply chain based on the specific risks of banks explains the risks of greater impact throughout the supply chain.The fourth chapter is the bank financial supply chain participants and their specific risks. Banks supply chain participants in addition to commercial banks and core enterprise, small and medium enterprises, logistics companies and third party agenciesa total of five. Banking is different from traditional bank credit financing model of supply chain finance, credit financing no risk also has its traditional characteristics. This chapter from the perspective of different participants in supply chain based on the specific risks of banks explains the risks of greater impact throughout the supply chain.The fifth chapter is bank financial supply chain risk management. This chapter is based on the former banking unique to the General risks and risks to the supply chain finance proposed banks should pay attention to financial risk management in the supply chain is the principle and risk management measures.The sixth chapter is bank supply chain finance development countermeasures and suggestions. According to the existing supply chain development in China’s banking problems and special risks faced, the corresponding countermeasures and suggestions for the future development of financial supply chain is proposed.The seventh chapter is conclusion. This chapter concludes this paper based on the analysis in the text of the final purpose of writing, puts forward the development trend and Prospect of bank financial supply chain and for the future.