Research On Supply Chain Finance Business Credit Risk Management Of Commercial Bank

With the development of the international economic competition growing more and more sharply, supply chain management business comes into being and develops fast.Following the trend, international financial enterprises and large logistics companies have carried out a "supply chain finance business". Meanwhile, with the rapid development of the domestic financial sector and corporate financing, domestic banks have also carried out supply chain finance business which aims to solve the financing difficulties of domestic enterprises, expands their own performance and enhances operating efficiency to meet the new challenges. In return,supply chain finance business development can benefit banks in banking structure optimization, solving the financing difficulties of SMEs, improving the bank’s operational efficiency as well as expanding the scope of the bank. However, in financial industry, the high income means high risk.Among the various financial risks, credit risk that takes the largest account varies distinctly owning to the innovation of the specific operation mode of the business.As mentioned above, the way to measure the credit risk of supply chain finance business should be of practical significance in the study. It will have more practical value if further research can be configured in actual case of control point management and explored deeper on thebusiness credit risk level.From the perspective of commercial banks, the paper divided into several levels into the research of the credit risk of supply chain finance business of commercial bank step by step. Firstly,the basic conception of commercial bank supply chain finance and the main mode of supply chain finance business were introduced,and generally the author concluded the present situation of the supply chain finance business development of the Commercial bank in our country for further analysis. Secondly, this paper studied the relevant theoretical basis of supply chain finance business, including the conception,characteristics and corresponding recognition of credit risk, and the author established an evaluation system measuring the risk from the external environment by analyzing financing enterprise own quality, operation of supply chain and the pledged assets status and other aspects. Then,this paper compared successful cases with fail one from the three main business model of commercial bank supply chain finance business to study the effect of credit risk model for each type of business. Finally, based on the analysis before,this article put forward the countermeasures and suggestions of perfecting the corresponding supporting system construction and improving the specific business management.