Research On Credit Risk Of Online Supply Chain Finance In Commercial Bank

Supply chain finance is an important way to serve the real economy and solve the financing difficulties and expensive problems of small and medium-sized enterprises.Commercial banks are important participants in offline supply chain finance and play an important role in capital supply.In recent years,with the introduction of the concept of "Internet +" and the emergence of large data and cloud computing technology,supply chain finance has gradually transformed from offline to online.Online supply chain finance is the concentrated reflection of science and technology finance,and an innovative financial product with coexistence of effectiveness and efficiency.In the process of business development,new characteristics of credit risk have also been derived from online supply chain finance.How to control the credit risk of online supply chain finance effectively has become an important issue faced by commercial banks.This paper mainly studies the credit risk of online supply chain finance in commercial banks.Firstly,by introducing the model of off-line supply chain finance,this paper focuses on the participants and business models of on-line supply chain finance,and concludes that commercial banks have the advantages of capital,data integration,risk control and customer resources in the development of on-line supply chain finance;secondly,this paper focuses on the sources and characteristics of financial credit risk of on-line supply chain of commercial banks.The sources of credit risk include unreasonable process design,inaccurate platform information,incomplete risk evaluation index and complexity of post-loan management.Credit risk has the characteristics of stronger concealment,faster diffusion and more complex management.On this basis,this paper constructs online supply chain financial credit risk evaluation system for commercial banks from four aspects: core enterprise,financing enterprise,supply chain construction and transaction records.91 construction enterprises are selected as research samples,and the evaluation indexes are verified by logistic regression analysis.It is concluded that in online supply chain finance of commercial banks,the transaction records of financing enterprises,the degree of online platform construction,the strength of financing enterprises themselves and the strength of core enterprises are important factors.Through the above research,this paper provides reference and innovation direction for commercial banks to prevent financial credit risk of online supply chain from such aspects as improving the rigorous process of product design,strengthening data integration and analysis capabilities,building a reasonable evaluation system,improving the level of online platform construction,establishing a risk sharing mechanism.