Assessment Of Credit Risk Of Small And Medium-sized Enterprise Based On B2C Supply Chain Financing

In recent years, with the rapid development of Internet financial, a growing number of e-commerce platform is appearing, represented by B2C electrical contractor of Internet financial have surged a revolution. But due to the limitation of capital, this field of development encountered many bottlenecks, and supply chain finance is the commercial Banks to provide financing to small and medium-sized enterprises credit is a kind of new channels and business areas. As a result of the commercial Banks lack of effective credit risk evaluation method to B2C supply chain financial environment of small and medium-sized enterprises, so the Banks causes a "subprime" psychological.In this context, this paper combined supply chain finance and B2C e-commerce in order to bring new ideas for the bank's business development, hope for commercial Banks to provide feasible credit risk evaluation method, which provide financing services to small and medium-sized enterprises in the supply chain to solve the financing difficult problem, so as to improve the overall competitiveness of the supply chain. Article according to the definition of B2C supply chain finance, this paper based on B2C scope of small and medium-sized enterprises of supply chain finance mode, define the concept of credit risk and analyzes the B2C supply chain financial of small and medium-sized enterprises have characteristics different from general small and medium-sized enterprises, and discuss the analysis of the article research B2C supply chain finance under the practical significance of the small and medium-sized enterprise credit risk.On the basis of previous studies, this paper respectively introduces several traditional financing modes for small and medium-sized enterprise, and analyzes existing problems and their causes in them, this paper also puts forward three kinds of supply chain based on B2C financial mode for small and medium-sized enterprise financing, financing mode, the electronic warehouse financing mode including electronic order and B2C electrical contractor secured financing mode. By comparing against traditional financing for small and medium-sized enterprise, it is found in the B2C supply chain environment, the financing for small and medium-sized enterprises not only need to evaluate their own core qualification, but also have to think B2C supply chain, environment and other factors. From the perspective of B2C supply chain financial, this paper puts to use the research method of literature review and expert scoring method for two rounds of index selection, it is based on risk theory and system theory, around the core enterprise qualifications, small and medium-sized enterprise qualifications, financing project itself, the B2C supply chain factors and environmental factors the influence factors of 5first-grade index and 21 secondary-grade indexes. Then on the basis of the evaluation index system, the credit risk evaluation method, comparative analysis of previous choice by using AHP as the method of the index weight and gray comprehensive evaluation method as the credit risk evaluation method of B2C supply chain finance. Finally, to demonstrate with a real case, in order to J-mall in business cooperation and bank, for example, mentioned above is adopted to establish the evaluation index system and evaluation method of the supply chain upstream supplier makes an analysis of the X, Y and Z, and get the comprehensive evaluation value of the three suppliers, provide certain reference for bank selection decisions. It illustrates that the research of the credit risk evaluation system of the B2C supply chain financing for small and medium-sized enterprise has its effectiveness and practicability.According to the above ideas, Articles on B2C supply chain of small and medium-sized enterprises put forward the corresponding improvement Suggestions to reduce the credit risk of the enterprise, to help ease the "financing difficulties" problem, but also for commercial Banks to a more objective and fair evaluation of small and medium-sized enterprise credit risk to make a reference. All in all, from the future development prospect, the traditional financial pattern will gradually be eliminated, B2C supply chain financial service products as a new financial innovation, for small and medium-sized enterprise financing difficult problem on the supply chain provides a new train of thought, as Banks compete to new areas of development, has a great market potential, this article studies for the effective control of credit risk exploration way is put forward.