A Study On The Bank's Decision-making Under The Financing Mode Of Supply Chain Financial Receivables

The supply chain financial receivables financing business can not only ease the financing difficulties of small and medium-sized enterprises in the supply chain,smooth the operation of the supply chain capital flow,improve the efficiency of the supply chain,but also greatly improve the bank's customer volume,profits,market position and other aspects.However,due to the bank's concern about risk,there are some problems in the implementation of supply chain financial receivables business.This paper studies the bank decision-making under the mode of supply chain financial receivables financing.Based on the literature research and the investigation of the actual business,this paper clarifies the content and business process of the financing mode of supply chain financial receivables,explores the risks of the financing mode of supply chain financial receivables,and constructs the game model under the financing mode of supply chain financial receivables with complete information and incomplete information based on the two common situations in the actual business of the bank.Through mathematical derivation and simulation analysis,it is concluded that under complete information,banks can control the default losses of core enterprises and small and medium-sized enterprises by setting default penalty of core enterprises and collecting deposit of small and medium-sized enterprises before loans,so as to achieve the best situation(Bank Loans,Core Enterprise Repayment,SMEs do not Default).Under incomplete information,banks can maximize their own expected profits by making decisions on loan interest,loan ratio,small and medium-sized enterprise margin and post loan inspection cost input rate,and infer specific bank decision-making conditions.It has important reference significance for the decision-making of the bank in the actual business.This paper enriches and develops the theoretical model of three party game of supply chain financial receivables financing mode,makes it more practical,and focuses on the research of bank decision-making,so that the profits of banks as loan decision makers in the whole supply chain financial business can be guaranteed to a certain extent,which is conducive to the promotion of supply chain financial receivables business.It also plays an important role in solving the problems of financing difficulty,credit sale of supply chain,shortage of capital chain and low efficiency of small and medium-sized enterprises.