Research On Financial Risk Management Of Supply Chain In Commercial Banks

Supply chain finance, is a new financial model that commercial banks see the enterprises in the supply chain as a whole to carry out financing services.Commercial banks lend the money to one or more small and medium-sized enterprise according to the trade relationship, movable property or ownership, which promotes the smooth circulation and stability of the chain, including production,supply and marketing, enhances the overall competitiveness of the supply chain, and improves commercial banks' business structure, profit model as well as competitiveness.However, besides the benefits brought by supply chain finance to commercial banks, there are also many risks that can not be ignored at the same time.Supply chain finance not only has all kinds of risks of the traditional bank credit, but also produces the specific risk of supply chain finance because of the introduction of the supply chain, and commercial banks' original risk management model can not be fully applicable. How to effectively use the characteristics of supply chain finance and establishing a sound risk management system is very important for commercial banks. The development of China's supply chain finance is still in the initial stage, and the various supporting measures are not perfect, so we should pay more attention to risk prevention and control.From the point of view of commercial banks, this paper emphatically analyzes the market risk, legal risk, policy risk, the risk of economic crisis, operational risk and credit risk which supply chain financial faces, and puts forward the corresponding management recommendations. Then the paper studies concretely the unique risk of three basic financing mode of supply chain finance: the risk of accounts receivable financing mainly includes the risk of buyers and sellers, the risk of transferring accounts receivable and bad debts, fraud risk and moral risk; the risk of inventory financing mainly includes the risk of collateral, agency risk and the risk of false bills of lading; the risk of prepayment financing mainly includes supply chain risk, the risk of market demand and fluctuating collateral prices, the risk of suppliers' production capacity, repurchase risk, contract risk, and regulatory risk. And the paper carries on the thorough discussion with relevant cases. The last chapter, from the overall level, replenishes commercial bank supply chain financial risk management recommendations.