Risk Characteristics And Risk Management Of JS Bank Online Automobile Supply Chain Finance

Supply chain finance is the deep integration of financing behaviors and commercial activities,It is a network chain structure of banks that uses supply chain procurement,transportation,processing,and sales to take advantage of the “closed,self-reimbursable,and controllable” supply chain,Through comprehensive control of the “business flow,logistics,capital flow,and information flow” of the transaction link,comprehensive financial products and services are provided for different nodes of the supply chain,With the continuous optimization and upgrading of the “Internet+,” supply chain finance services have become increasingly platform and data-based,It has broken the limitations of traditional credit scenarios and customer groups,and has no longer independently conducted the financial status and credit risks of SMEs,The assessment focuses on the risk judgment and risk management of the entity’s trading units and transaction records on the supply chain.Under the new situation,the integration of the Internet and the supply chain has also greatly broadened the scope of supply chain finance,and has become a connecting platform for many sub-platforms and sub-ecosystems,Although supply chain finance has a strong scientific and feasible structure,due to the large number of supply chain finance participants,flexible financing model,and complex contract design,there are certain risks in the operation of supply chain finance,This article intends to proceed from the basic theory of supply chain finance,discuss the differences between supply chain finance and traditional one-way financing paths,study the economic advantages of supply chain finance,and then sort out the policy background of domestic online supply chain finance development,Comparing the actual cases of existing online supply chain finance,discussing the risk characteristics of online supply chain finance development and the means of risk management,Finally,focusing on JS banks as a local bank online supply chain finance approach,especially Carry out specific analysis and discussion on typical cases of the automotive industry,fully demonstrate the practice of small and medium-sized banks in online supply chain management from pre-lending,loan-in-lending,and post-lending,and also explored the unique characteristics of the corresponding online supply chain finance,Risk management models and norms,etc,,have a strong practical significance,...