Research On Risk Management Of Supply Chain Credit Business Of CND Bank X Automobile Sales Group

With the rapid development of modern society and economy,the majority of small and medium-sized enterprises are more and more closely linked in the environment of social division of labor.With the emergence of "new economy" mode,the operation of various enterprises is also changing accordingly,which also provides a development platform for supply chain financial business objectively.In the environment of industrial chain,enterprises need more and more capital.Financing is also the trend of enterprises.It involves the purchase,sales,operation and other aspects of the enterprise.In practical operation,most enterprises are limited by various factors,the financing channels are not smooth,and the amount of financing is very limited;the traditional financing mode of commercial banks has many disadvantages,which brings many relative risks of loan business,and makes the development of commercial banks suffer many obstacles.Therefore,the transformation of financial business of commercial banks is imperative.According to the needs of small and medium-sized enterprises in the current market,commercial banks will upgrade a single credit model and develop a variety of business models.Supply chain finance is the focus of the transformation of commercial banks.This business not only has a high profit,but also has a broad prospect,which is conducive to broaden the business channels of commercial banks and achieve profit growth.Based on the combination of theory and practice,this paper studies the risk management of supply chain financing of local commercial banks in Chengdu,studies the related aspects of the identification,evaluation and response of supply chain financial risk,and analyzes them with the relevant literature.First of all,it analyzes the current situation of CDN bank in supply chain financing risk management in recent years.Based on the theory of risk management and control of supply chain financial business,it gradually analyzes the business model of risk management of supply chain business,as well as the risk analysis process and the relevant methods and theories of risk analysis in this paper.Secondly,it mainly introduces the basic situation of CDN bank’s supply chain financial business And the existing problems,get the necessity of supply chain financial risk management,lay the foundation for the later research;thirdly,through the use of AHP analytic hierarchy process,focus on the risk assessment of thecredit customer of CDN bank x automobile group related supply chain financial financing related business,take the upstream supplier a enterprise’s pledge financing of accounts receivable of X automobile group as an example The risk assessment system based on the receivables supply chain financing project is constructed by evaluating and analyzing the three levels of risk identification indicators.Finally,for the CDN bank to the supply chain financing project,put forward the corresponding risk response measures and methods,in order to help commercial banks in the supply chain financing business risk management to provide new ideas.The purpose of this paper is to analyze and evaluate the supply chain financing risk management of commercial banks by analyzing the current supply chain financing risk management mode of CDN banks,combined with the knowledge and experience of their own bank’s relevant business.In addition,the existing data of supply chain financing projects are analyzed and integrated to evaluate the main risk projects,so as to provide relevant suggestions for commercial banks to effectively prevent,avoid and remedy risks when dealing with similar projects of supply chain financing in the future...