Case Study On Risk Management Of Automobile Supply Chain Finance Business Of ZC Bank

The With the rapid development of China’s economy and the improvement of people’s living standards since the reform and opening up,the development of automobile as a means of transportation has been increasing year by year in recent years,followed by the development of the whole automobile supply chain industry.The automobile supply chain takes the automobile manufacturer as the core of the chain,links up the upstream parts suppliers and undertakes the downstream network distributors to drive the overall development of the automobile supply chain.At the same time,the automobile supply chain finance business,which takes the automobile supply chain as the carrier,also emerges as the times require,and gradually develops and matures.The automobile supply chain finance business solves the financing problem of small and medium-sized enterprises(SMEs)besides core manufacturers by developing different modes of credit business for upstream parts suppliers and downstream network distributors on the basis of core manufacturers’ credit.However,with the continuous development of automotive supply chain finance business,banks as financing providers of automotive supply chain finance business,in the actual operation of this business,there are many potential risks.Based on the study of ZC Bank’s automotive supply chain financial business model,this paper puts forward relevant strategies for risk management of automotive supply chain financial business.Firstly,this paper elaborates the definition of automobile supply chain finance,and introduces the development and status quo of automobile supply chain finance business of ZC Bank.Secondly,based on the current model of automobile supply chain finance business of ZC Bank,it analyses and introduces the risk status quo of automobile supply chain finance business of ZC Bank.Thirdly,it combines two specific automobile supply chain finance cases of ZC Bank,and passes through ZC Bank.Finally,on the basis of the above research,the paper puts forward corresponding strategies for risk management of ZC Bank’s automobile supply chain financial business from three aspects: risk early warning,risk disposal and risk prevention,and puts forward corresponding strategies for automobile supply chain financial business.The healthy development of chain financial business and win-win situation between banks and enterprises have important reference significance.