The Research On The Risk And Prevention Measures Of Supply Chain Financing In Commercial Banks

1980s, with the world-class corporate giants seeks to minimize costs in the division of labor of an increasingly globalized economic world, the supply chain finance could really attract people’s attention for the first time, and finally emerges the supply chain management concepts. The main reason for this is since the global outsourcing activities produce a variety of negative effects such as:the supply chain enterprises due to lack of funds to generate "bucket short board" effect, etc., and which are outsourcing division of labor efficiency advantage and have " cost of depression" ultimate cost savings businesses access package offset by labor advantage to produce a certain degree. Under traditional financing rule, commercial banks follow the "three principles" to manage the risk, in such management means, credit resources business is always biased in favor of those enterprises who are in a good financial position and the financial state is relevantly transparent, and owns considerably fixed assists. However, The latest development of supply chain financing services has already prefer to offer the credit resources of banks to those SMEs whose financial situation is relatively opaque in recent years as supply chain finance business has become a new profit growth point of commercial banks. The new business needs a new theory to guide risk, resulting a new supply chain finance risk management theory under this new background. The current study of risk and risk prevention in the supply chain financing are mainly concentrated in the construction of the risk assessment system, but in the actual business operations, such risk control is mainly based on the account manager’s actual inspection and judgment beyond the multiple visit to the target company. Therefore, in the course of the study, I combined the risk analysis theory and the case study methods, starting from the major commercial banks in the current business model of supply chain finance, analysis the sources of commercial banks’risk in supply chain financing, and based on each risk prevention financing models’ Features to discuss the risk control methods, and finally using the case analysis to demonstrate risk prevention in practice.In this paper, a study is divided into six chapters:the first chapter discusses the background and significance of the research, and pointed out the innovation of the present paper as well as the shortage. The second chapter based on the development of supply chain business and supply chain risk theory, and combined the previous studies to generate the proposed research program of this article. The third chapter analysis supply chain’s operating mechanism and the main advantages of the supply chain compare red with the traditional financing, and illustrated the main features of the current supply chain financing mode by using the real case. The fourth chapter shall mainly talking about the supply chain’s characters from the perspective of commercial banks, combined with previous studies and the current mode of supply chain finance, this paper will try to find the main risk source and the fundamental reason for commercial bank in the supply chain financing business. The Chapter five of this paper will go further from what have been studied in the Chapter four, to analysis the most significant audit point in the detailed operation in each business model, and this chapter also provide the discussion the means to prevent the risks. The Chapter six of the paper shall combine all the known preceding theory, to apply in to the actual business cases related to supply chain financing, and will design case scenario under such chain financing options and describe the risk prevention measures under this financing scheme. The main point of this paper are:from the perspective of commercial banks to analysis the risk sources of supply chain financing:the risk caused by the supply characteristics, the risk caused by information asymmetry between commercial banks and company, the risk caused by banks actual operation, the risk arising from the economic and policy. To research the features of each specific risk arising from different business, and to manage the risk control. For example:In the category of accounts receivable financing model, banks should mainly consider the downstream business ability to pay, and to check whether the debt has been fully controlled. Under the category of prepaid financing model, we should mainly consider the quality of the goods produced in the upstream manufacturers and downstream firms are expected to buy the goods. In the stock class financing model we mainly consider the value of goods and power to control. And proposed the establishment of a platform for information sharing information addressing the risks of asymmetric information, and to take reasonable measures to compensate for supply chain financing to hedge risk.The innovation of this paper:first, previous sources of risk in the supply chain financing mechanisms are based on supply chain financing operation as the departure for analysis.In this paper, the analysis of risk in the supply chain financing is mainly in the prospective on the commercial banks, the main business model based on the supply of financing starting to analyze and better linked to the realization of operations. Second, this paper is trying to find different paths to prevent supply chain financing risks for each business model, and presents a targeted risk prevention advice, and according to the actual operation, this paper gives the potential risk prevention measures. Lack of this paper:When we trying to develope the discussion of risk studies, the prevent paper are focused on the actual operation, on the detailed operation business. However, the article has no room to further discuss how to establish a comprehensive risk management system.