J Bank's Supply Chain Financing Business Risk Management Optimization Research

As a commercial bank, risk management is the core of its business management.The traditional commercial banks' spreads are shrinking with the deepening of financial reform and the progresses of marketization of- interest rate. It's urgent to innovate financial service tools. In all kinds of financial innovation, the supply chain provides a path worth exploring, the core of enterprise supply chain, while commercial banks to the core business and its upstream and downstream, the company offers a full range of integrated financial services by relying conducive to resolving the whole the chain cash flow problems, and promote the integration of resources, but it also brings great market for commercial bank loans, settlement, fund management, financial advisers and other comprehensive financial services.Chinese commercial banks have been offering current supply chain financing services, to grab market share, J Bank by virtue of its dominant position in the market share, expertise and so on, but also timely to launch its own brand supply chain financing, mode of operation is also continuous improvement process in. For its infancy business model of supply chain financing has not yet been formed special standard operating procedures, internal management is not perfect, there are loopholes in credit management and the external environment lacking, it is accumulated in commercial banks to carry out operations in the supply chain financing risk. From the basics of supply chain financing starting to introduce relevant business J Bank, for example, and to put on the ultimate goal of supply chain financing operations risk management optimization. First, the study describes the background of supply chain financing risk management, purpose and meaning, elaborate relevant research results and theoretical basis, directly showing the overall framework of the paper; Then the supply chain financing risk management theory outlined, mainly in the J Bank, for example to carry out its product and process related presentations, and detailed case studies, in each case involve different types of risk, the risk analysis of reason, at this stage in order to study the need for optimization of the supply chain financing J bank operational risk management. Thereafter, based on the foregoing analysis, to carry out risk arising from supply chain financing business to analyze the phenomenon described specifically including, source, content and other characteristics, and concludes with recommendations for risk management optimization and summary.This article has the innovations that first it has enriched the research of the application about supply chain theory in the field of commercial banks, especially for the development of J bank's related business. Secondly, this article starts from the J bank to expound its risk management of the process in supply chain financing, and focuses on the characteristics of its risk. The article finds out the problems through the risk items, puts forward the problems and gives the concrete optimization suggestions,and solvies the flaws. Thirdly this article focus on the industry to extend the universal reference in order to from the special to general. At the same time, this article has a positive effect on simultaneously solving the financal difficulties of small and medium-sized enterprises and promoting the development of commercial banks'product innovation.