Research On Risk Control Of Supply Chain Finance Of K Commercial Bank

With the continuous improvement of social recognition for supply chain finance and the development of domestic enterprise,Chinese financial services market for supply chain grows large,and the status of finance business for supply chain gradually becomes prominent.This new financing method can effectively solve the financing problem for small and medium-sized enterprises and make many commercial banks involved in it,which also brings a lot of risks.As a representative of the combination of industry and finance,this paper focuses on studying how to control the risk in K commercial bank when developing supply chain finance at the same time.At present,scholars at home and abroad mainly start the research on risk control of supply chain finance from different risks generated by the business of commercial banks.They evaluates the risks and puts forward the control measures.This paper is based on theory of supply chain management and comprehensive risk management combined with the business development of supply chain finance in K commercial bank,and uses the method of analytical demonstrating and comparative analysis to analyzes risks causes of three typical modes for K commercial banks from the main supply chain aspects of upstream,core enterprises and downstream.According to the principle of risk assessment,the paper describes the selection basis for risk indicators and constructs the credit rating scale of supply chain finance by the analytic hierarchy process.Finally,according to the risk control of three financing modes for upstream and downstream of supply chain finance,it puts forward an effective method to improve the risk control level for the supply chain finance in K commercial bank.(1)There are some problems in the risk control of the upstream accounts receivable financing mode.For example,the trade background is not completely true,and the core enterprise credit risk has spillover effect.They can be solved effectively through strengthening the examination for the authenticity of accounts receivable,and controlling the core enterprise Z petroleum group.(2)There are some problems in the risk control of downstream confirming storage financing mode.For example,there is the asymmetry of the bank and enterprise information,and risk control technologies and systems need to be improved.They can be solved by improving internal control,and choosing a third party logistics with good credit.(3)There are some problems in the risk control of universal upstream and downstream inventory financing mode.For example,pledge is difficult to hedge by the impact of the market,and risk conduction between banks and enterprises causes the double negative effect.By controlling risk control points at all levels throughout the operation of supply chain finance,and with the method of setting a reasonable rate of pledge and the introduction of financial derivatives,it can realize the goal of risk control and steady development and promote the healthy and rapid development for supply chain finance in K commercial bank.