Research On The Evaluation Of The Risk Grade Of Procurement Financing Business And The Pricing Of Services

In the context of "public innovation,public entrepreneurship",it is of great significance to mobilize social forces and promote the growth of small and micro enterprises,especially innovative enterprises.Essentially supply chain financial business is a way to provide financial support services for small and medium enterprises.China's current business banks and other financial institutions,logistics enterprises,Internet e-commerce enterprises have carried out different forms of supply chain financial business.Risk assessment is an important part of the supply chain financial business.The traditional financing business risk assessment system category is relatively simple,of which the reference is not valuable for the evaluation of the risk grade of procurement financing business.Because in the supply chain financial business.risk sources are more complex,not only from the borrowing business risk,but also from the supply chain system behind the borrowing business.In addition to the difference of the characteristics from various types of financing business,the development of risk index system should be targeted.Therefore,in the development of risk management strategies,First of all,we must understand the type and characteristics of each supply chain financing model and the strength of the supply chain system behind the borrower enterprise so that we can develop a targeted risk index system.Therefore to evaluate the risk grade,and ultimately according to the risk grade to give loans.In addition,the service pricing model is a part of the risk control measures,thus the risk grade should be considered when making service pricing.In this paper,the borrower enterprise risk grade and service pricing of procurement financing business were studied.This paper introduced the procurement financing model,which is one of the innovative models of supply chain financial business.First of all,Procurement financing business?the traditional agent procurement model and inventory pledge financing mode are distinguished from the concept,the core function,the source of profit,the scope of application.The main features of purchasing financing model were expounded.And then the evaluation of risk grade is made.In the first step,the risk index system was to be established,the main factor analysis method is used to identify indicators of risk index system model,the risk index evaluation system was established.The second step,a risk rating model was to be built.First of all,using AHP,ANP method to determine the weight of various indicators,and then combined with fuzzy comprehensive evaluation method to set the risk grade evaluation model.After completing the above steps,through the analysis of cost and profit,the pricing system of procurement financing business service was built to provide reference for supply chain management enterprise for loan decision.In order to explain the theoretical model more specifically and clearly,this paper analyzed the risk grade and service pricing of procurement financing business in the case of concrete business,and hopes to provide guidance for the supply chain management enterprises to carry out such business.