The Study Of Supply Chain Financial Operation And Risk Management Based On The Auto Industry

As the industry competition from the competition between the enterprises into the supply chains, small and medium-sized enterprise has more and more important economic status. Supply chain finance is not only effectively solving the problem of financing difficulties and make a great contribution for the development of domestic commercial Banks. Banks only see financial benefits brought supply chain, so research on the supply chain finance risk becomes one of the major problems. In this paper, combined with the supply chain finance economic background, take the supply chain of automobile industry as an example to analysis financing difficulties.and study the suitable model for our country’s credit risk evaluation index system and risk measurement.Discussions are the following several aspects:Firstly, supply chain of automobile industry operation model and the analysis of risk identification. Based on the three modes of supply chain finance: accounts receivable, prepaid account receivable, financing storehouse. On the basis of combining the characteristics of the automobile industry supply chain and operation model is used to identify the corresponding risk analysis.Secondly, In view of the characteristics of automobile industry supply chain financial credit risk, it is difficult to compare the complete quantitative analysis. the establishment of auto industry evaluation index system of credit risk. In this paper, on the basis of previous studies, use the primary index to solve the problem of credit risk index source. And use the expert evaluation method for index of secondary screening. Finally, establish the final credit evaluation index system by correlation analysis.Thirdly, establish a default of credit risk measurement model. Because the conditionality of our country commercial bank in the data. In this paper, on the basis of credit evaluation index through comparing several existing risk measurement model, use the strong robustness of Logistic regression model as the measurement of credit risk assessment model and analysis the background of H Company as an example. Finally, according to the characteristics of the automobile industry supply chain put financial risk aversion measures out.