| Supply chain finance business refers to a service which the bank manages the capital flow and logistics in the upstream and downstream SMEs around the core enterprise,and transforms uncontrollable risk in the single enterprise into controllable risk in the whole supply chain.The goal is to control the risk at the lowest level.The development of supply chain financial services can help SMEs to finance and provide financial support for the upstream and downstream entrepreneurs of the industrial chain.The supply chain financial business of commercial banks has been widely concerned by experts in the field of supply chain management and bank policy-makers all over the world.However,there is a high uncertainty and great risk in the process of supply chain financial practice.In addition,there are some problems in the existing research process,such as relatively simple research perspective,insufficient research contents and incomplete empirical research.Therefore,it's difficult to provide cutting-edge theoretical and practical basis for future supply chain financial risk management research and commercial banks.Based on the above background,in order to provide theoretical and practical reference for Ji'nan branch of SPD bank and Chinese commercial banks to effectively manage supply chain finance business risks,this study explores and analyse risk management of supply chain finance business in Ji'nan branch of SPD Bank.Therefore,this study discusses the concept of supply chain finance and defines the connotation of supply chain finance risk.From the perspective of risk sources,the risk categories of supply chain financial business in Ji'nan branch of SPD bank is divided into trust risk,operational risk and market risk.Based on the existing research results,combined with the background and purpose of the study,the risk management process is proposed,and the risk management framework of supply chain finance business of Ji'nan branch of SPD bank is constructed.In terms of risk identification of supply chain finance business,this paper analyzes and compares existing research results of supply chain finance business of commercial banks,and summarizes possible risk factors,including credit risk,operational risk and market risk.To verify the rationality of risk factors,this paper evaluates the 16 risk factors belonging to the three major risk factors respectively with Delphi method.The result of expert evaluation shows that all risk factors can reflect the connotation of supply chain finance business risk.At last,the logical relation of risk factors at all levels is expressed with causality diagram.In terms of risk assessment of supply chain finance business,according to the result of risk identification,this paper constructs a risk evaluation index system,and applies AHP and triangular fuzzy number comprehensive evaluation method to evaluate supply chain finance business risk.The evaluation results show that the ranking of credit risk is the highest,the market risk is the second,and the operation risk is the lowest.Credit risk,market risk and supply chain finance business risk of Ji'nan branch of SPD bank are between middle risk and high risk.Operation risk is between low risk and medium risk.In terms of supply chain finance business risk response and monitoring,based on the inspection and analysis of risk response literature,this paper puts forward four kinds of risk response style,including risk avoidance,risk transfer,risk reduction and risk acceptance.Secondly,according to PC matrix,the risk response mode selection process is constructed.Combined with risk management priority and risk response model,the specific response strategies of supply chain finance business risk are put forward.Finally,the risk monitoring framework,monitoring system and its operating mechanism of the supply chain finance business are designed. |
