Research On Risk Management Of Supply Chain Financing For Small And Medium Enterprises In Ji’nan Branch,Bank Of China

In the whole society to actively improve the financing environment for small and medium-sized enterprises, commercial banks to seek new growth point of the premise, the supply chain financing is designed. Banks and other financial institutions and third-party enterprises stand in the whole supply chain of small and medium-sized enterprise risk assessment, from the perspective of the core enterprise study trade in the context of the authenticity and upstream and downstream enterprises counterparty credit and make the whole supply chain tends to be stable. The risk of supply chain financing products, although the decline in a certain extent, but in recent years, overcapacity in the industry, pro cyclical industry risk continue to appear, corporate profitability continues to plummet and risk began to spread from the production enterprise to the upstream and downstream enterprises and related industries chain. Some commercial enterprises for production type enterprises arrears, commodity prices fell sharply and other reasons, resulting in the tense capital chain, repayment difficulties. At present, either from the government or society, our country small and medium-sized enterprise internal management and financial and production information are not transparent, financial institutions to loan to small and medium enterprises still exist various defects. Therefore, a part of any imperfect have may lead to the whole supply chain should be unstable, thus because of operational problems result in capital strand breaks. Therefore, it is an important issue to study how to prevent the risk of commercial banks in the process of supply chain financing to ensure the safety of bank funds.This paper selects the Bank of China Jinan Branch as the research object, first of all the internal and external environment of Bank of China Jinan Branch of supply chain financing are analyzed, then systematically the current line in supply chain financing business development and risk control system, on the weak points of current risk control carried out, based on supply chain financing business risk prevention proposed measures, hoping to provide some ideas for our other commercial banks to develop supply chain finance business. From the point of view of the scale and influence, the Bank of China Co., Ltd. is one of the large state-owned commercial banks, scribe of the Jinan Branch of the Bank of China belongs to the head office directly under the second level branch, which is located in the east of the capital city, the current situation of the development of small and medium enterprises in the supply chain financing business, the Syrian for problems existing in the process, "before the loan, the loan, the loan" facing the risk in Bank of China and even all commercial banks to small and medium enterprises in the supply chain financing business have typical representative significance. Through the research on the theory of supply chain financing, introduced in detail the development status of the Chinese bank Ji’nan branch of the business and risk prevention system on the basis of combining with the actual problems in their work, summed up its weakness, and propose risk prevention countermeasures to solve the Chinese Ji’nan branch of the bank and other commercial banks in the business the proposal focuses on the loan before the core enterprise supply chain information, careful to do "form the core enterprise", in order to prevent credit risk; establish the system of internal management system and establish perfect guarantee system in order to implement dynamic risk monitoring and control of supply chain enterprises; in accordance with the current management of the whole process of risk management, to improve the loan after; in business on the basis of the promotion of supply chain financing and cash management platform combined; credit information development, in the logistics company The construction of current assets, legal effect of electronic information sharing platform, relying on big data development of supply chain financing and other aspects of innovation. Therefore, the national level needs corresponding policy support measures to promote the development of related industries, China’s commercial banks to continuously improve their products and services and internal management, to promote China’s supply chain finance the emerging financial services to help a helping hand.