Research On The Building Of Supply Chain Finance And Risk Control Of Postal Saving Bank Liaoyang Branch

At present, China implements adjustment of economic structure under the “New Normalcy”, in order to achieve sustainable development of economy from the supply side structural reformation-driven efforts, to develop finance timely and appropriation, logistics and other high value-added services, emphasis on the banking sector to reform their own supply, to serve the small and medium enterprises actively. The postal savings bank where in the northeast of Liaoyang city in Liaoning Province, is suffering from the pains of a new round of economic reform, a large number of small and medium-sized enterprises lack of funds and seriously affect their own survival and development. They hope to bank financing, but due to its slow pace of development, management is not standardized, poor credit, payment is not smooth, lack of collateral measures, so these financial applications are normally denied by the financial institutions. Therefore, how to change the existing financing difficulties of small and medium-sized enterprises, while avoiding the risk of banks in the process of SME credit, is the the problem which government, enterprises and banks need to solve.The methodology based on modern logistics, management, supply chain management theory and the financial risk control technology, in Liaoyang City, postal savings bank actual supply chain finance business operation. Analysis the existing features and existing problems, put forward to the improvement scheme of the supply chain finance business, and related risk assessment and risk control system.First, this paper relates theory research and practical business development situation, analyzes and summarizes the specific problems of postal savings bank liaoyang branch in terms of supply chain finance operation. On the basis of in-depth study of the operation of the financial business of the bank supply chain,according to the related issues such as supply chain financing and the postal savings bank of the original development of the concept of conflict,the number of supply chain finance business products is insufficient, the risk control system has not been established, related personnel allocation is not reasonable, which can’t meet new business development needs, lack of powerful partners, lack of effective management of the enterprise in supply chain, in-depth analysis, to explore the reasons, for the follow-up questions the foundation of solution.Secondly, this paper based on the analysis of the existing supply chain finance business model, combined with practical problems for business model innovation. In the light of PSBC Liaoyang branch’s characteristics of supply Chain finance, analysis its reasonable financing structure and business process, to find the main three types of business which is the movable property pledge, real estate pledge and confirming storage financing, and combines the actual needs of the re design and model innovation of three types of classic business, which is model accounts movable property pledge, real estate pledge and confirming storage financing, those three kinds of classic business model of the credit, the movable property pledge, real estate pledge and confirming storage financing, specific improvements include tripartite cooperative factoring business model:the co-operation of “Liao A Group, Xin Da Factoring, and PSBC of Liaoyang branch”, remote supervision of imported agricultural machinery, mortgage loan business model and integrated credit business model of confirming storage “confirmed storage financing + hedge”, the practical results show that those improvements have certain practical operability and application value.Finally, this paper focuses on the analysis of current situation of supply chain financial risk management of PSBC Liaoyang branch, and put forward to that the core of financial risk control in supply chain is Implement asset quality optimization, reduce operational risk and strengthen the credit line management. Based on the basic process of risk management, put forward to four kinds of risk factors of supply chain finance business, and design two dimensional risk assessment system based on the combination of customer rating and debt rating evaluation system,at the same time, aiming at the problems and the risk factors in the supply chain finance business operation process of PSBC Liaoyang branch, the author put forwards to the corresponding risk control improvement strategy.Above these about supply chain finance business construction and research of risk control, partly through the inspection of the practices of liaoyang branch post office bank to get some, more research work also has certain defects, hope to be able to become the future of you work for reference and research direction.