Research On The Financial Credit Risk Assessment Of The Online Supply Chain Of Commercial Banks

SMEs are an important force driving the growth of the national economy.However,due to the lack of financial support,many SMEs have been in a dilemma on the road to growth.They have been overwhelmed and this has greatly limited the opportunities for SMEs to increase their competitiveness.Bank credit has always been the main channel for SMEs financing.Due to the SME own poor credit,weak financial system,low collateralized assets and weak anti-risk ability,commercial banks are reluctant to lend to SMEs in order to reduce the non-performing loan ratio,which has created a credit-embarrassment relationship between banks and enterprises.In this context,supply chain financing came into being.Supply chain finance also eased the financing difficulties of SMEs while also broadening the business of commercial banks.With the impact of internet finance and big data,supply chain finance has evolved from offline to online,and online supply chain finance has achieved intelligent collection of “ fund flow,material flow,information flow,and business flow ”,reaching the chain.A win-win situation for all participants.While achieving efficient and convenient financing,commercial banks need to manage risks to reduce their own losses.In recent years,scholars have matured their research on supply chain finance.In the study of supply chain financial risk,most studies on credit risk are conducted.However,there are few researches on online supply chain finance,and there are few researches on credit risk.Therefore,this paper conducts a detailed study of commercial bank credit risk assessment of online supply chainfinance.Firstly,the article uses the literature induction method to review the credit risk indicators of supply chain finance,adding “ online ” specific indicators to supplement,and determining the final indicators based on the principle of selecting indicators,and constructing online supply chain of commercial bank financial credit risk assessment index system,The online supply chain financial business was selected to conduct research on listed small and medium-sized enterprises in the automotive manufacturing industry with comparative concentration.The nonlinear LS-SVM model was used for empirical analysis and compared with the Logistic regression model results.Secondly,the designed index system can effectively assess credit risk.The classification accuracy of LS-SVM evaluation model is higher than that of Logistic regression model and it has strong generalization ability.It can identify the credit risk of small and medium-sized financing companies very comprehensively and can be a commercial bank.Evaluate the credit risk of SMEs to provide rational scientific analysis and support tools.Finally,based on the fierce competition background of supply chain,it is proposed that commercial banks should actively carry out online supply chain finance,conduct comprehensive risk management,and deepen cooperation with the e-commerce platforms and logistics platforms.