The Design Of Risk Warning System Of Supply Chain Finance

Supp ly cha in fina nce is a new mode of the loanwhic h is created by the banksaiming at the fina ncing diffic ulties of the middle and s ma ll-sized enterpr isesupstreamand downstream the supply cha in. The innovation ofthis bus iness is the bank’sliberalization o f guarantee to middle and s ma ll-sized enterprises; they pa y moreattentio n to contro l the r isk fro m the perspective o f integra l s upply cha in. On thisbackground, the time ly access to lo gistics, cash flow operatio n information of supplychain is critica l for ther iskpre-warningo f bank credit.How to obtain this kind ofinformatio n, and then, how toconstr uct sc ientific early warning syste m to judge therisk, which is the prob lem we have to solve in supply chain finance business.Thestudy can not only expla ins the influence of informatio n asymmetry on supp ly cha infinanc ia l r isks theoretically, the great effect of infor mation flowon r isk pre-warning,but also provides new methods of supply cha in fina ncia l r isk pre-warning practicallyto the administrator of the bank credit.The research approach and construction of this paper are as follows:It starts withthe operation of supply cha in, ana lyzes the low of motio n of logistics, cash flow andinformatio n flow in the supp ly cha in, and the causes lead ing the fina ncia l distress ofthe upstream a nd downstream enterpr ises. And then, fro m the perspective o f banks, itstudies three modes of the s upply cha in: a ccounts receivable, inventor y and advancemone y, how do they solve the fina nc ial d istress of the upstream and downstreamenterprises, meanwhile, it concludes how the credit risk probably caused by the threemodes ind ividua lly and the reasons of the m. Infor mation shar ing can realize thefinanc ia l r isk pre-warning of the supply c hain. Thirdly, based on the p latform o finformatio n sharing, this paper constructs the risk pre-warning system o f supply chainfinanc ia l, and uses Fuzzy Ana lytical Hierarchy Processto determine the we ights o fsystem index, at the same time, it determines four e va luation cr iter ia o f the riskpre-warning.F ina lly, target system needs specia l operation p latfor m, while the thirdparty e-commerce platform possessesthe natura l advantages of infor mation shar ing.Based on this conc lus io n, this paper designs three steps according to the p lanningdesign, process design, functio n and sub module design, and designs the third-partye-commerce platform o f financ ia l supply cha in mode.This study found that, the ma in causes of the risks of supp ly cha in finance is the informatio n asymmetr y between banks and enterprises,but access to infor mation flowcan so lve the proble m of as ymmetr ic infor mation.In the third party e-commerceplatform’s partic ipation, through thecontract infor mation, lo gistics infor mation, cashflowinformation,co llateral infor mation, market infor matio n five aspects of theconstr uction of the early warning index syste m, can achieve thes upply cha in financ ia lrisk early war ning.