Researching Of Supply Chain Finance Business Risk Differences Between Small And Medium-sized Banks And Big Commercial Banks

Due to the differences of the founded time, the capital strength and the in-dustry status, the risks faced by small banks and large state-owned commercial banks in the specific business is different. The purpose of this paper is to s-tudy the risk differences from small banks to large state-owned commercial ba-nks in the supply chain financing business, then to determine the risk factors for small banks in the supply chain financing business which should be focus-ed on.In this paper, according to AHP and expert scoring Delphi study, firstly it is to establish supply chain finance business risk assessment system, and this system has three levels of indicators which are respectively first indicator, sec-ondary indicator and third indicator, among them, several secondary indicators under first indicator, several third indicator broken down under a number of s-econdary indicators items.through the third indicator and secondary indicator c-an not be broken down for direct scoring, scoring expert scoring method usin-g the Delphi method. After scoring in the use of expert judgment matrix to g-et the recommended weighting factor for each indicator, and finally obtain ac-c urate values for each combination of risk indicators directly by scoring and w-eighting factor scores.This paper analyzes the macro-system risk value obtained large state-owne-d commercial banks in financing activities in the supply chain is0.556, indust-ry systematic risk value is0.832, the risk of supply chain coordination isl.248, the risk of enterprise scale is2.08, the flow of information risk is1.0, the s-pecific operational risk of bank is4.5.On the other hands, small banks in ma-crosystemic risks of such operations is0.42, the industry systematic risk is0.774, supply chain coordination risks is0.656, enterprise.scale risk is0.556, flow of information risk is0.668, the specific operational risk of bank is1.0. It is concluded that small banks in the supply chain finance business need to pay more attention to key risk factors, these risk indicators are higher than the ris-ks that large banks faced. They are macro-systemic risk, industry systemic risk, supply chain coordination risk, enterprise scale risk, flow of information risk and specific operational risk of bank. The actual significance of this paper is to improve and strengthen the lev-el of risk management in the supply chain finance business in small and medi-um banks. Through quantifiable indicators, it is defined that small and medium banks need to focus on the risk factors which are higher than those large co-mmercial banks face, so as to promote their healthy development.