Research On Risk Management Innovation Mode Of Minsheng Bank Supply Chain Finance

As a new type of banking service product,supply chain finance has been developing rapidly in China.It is a shortcut to solve the credit problem of small and medium-sized enterprises.Credit model of self financing trade finance in supply chain finance.It introduces new risk control(?)variables such as core enterprises,logisticssupervision companies,capital flow guidance tools and so on.And it provides closed credit support for different nodes in the supply chain and other comprehensive financial services such as settlement,financing and so on.However,the supply chain finance business with good development potential and huge potential has its inherent fragility.The development of supply chain finance in China is not long,and Commercial banks are also gradually exploring and practicing in the process of developing this business.There are still many shortcomings in the aspects of system,technology,facilities and so on.Therefore,supply chain financial risk has become the key factor that restricts its development speed and scale.How to identify systemic supply chain financial risks,especially how to strengthen the risk management,and how to establish a perfect financial risk control system,are the key to ensure the healthy development of supply chain finance.The paper is based on the theories of management,finance and risk management of commercial banks.It mainly adopts literature research method,field research interview method,case analysis method,comparative analysis method and other research methods.This paper studies the risk management mechanism and innovation mode of China Minsheng Bank's supply chain financing,and put forward some operable suggestions.It is hoped that it can provide some reference for commercial banks to carry out risk management of supply chain financing.The research findings of the paper are as follows:1.Problems in financial risk management of traditional supply chain in commercial banks.The application of information technology is insufficient,and the efficiency of risk identification needs to be improved.The risk assessment mechanism of traditional credit assessment needs to be improved.Risk control system needs further improvement.2.Facing the main target of supply chain financial risk management,the case banking reformes organization,innovationes risk identification,evaluation,control and operation platform.New connotation in implementing the traditional framework of risk management.In especial,transformation to the division,using the "PDCA" cycle,careful selection of core enterprises,strictly establish access system,establishing operational risk guidelines,establishing risk early warning mechanism,seting up centralized operation platform and introduction of third party warehousing supervision are providing a strong guarantee for wind control.3.MS bank E integration platform's Internet supply chain finance business has innovative value in risk control.MS bank builds a risk pricing system based on big data based on Internet and financial technology,and docks the three party information platform,such as UnionPay,taxation,business,etc.MS bank accurate risk portrait of customers,and strengthenes pre loan risk identification,post loan risk monitoring and early warning.4.Facing the problems of financial risk management in case bank supply chain,such as the specialized risk assessment model needing further development,the promotion and optimization of the platform needing further improvement,information asymmetry needing further solution and operational risks needing further control,the paper suggestes for improving the risk management of supply chain finance in case banks are put forward.The contribution of the research is to explore the new development model of supply chain finance through the case analysis of the E financial platform of M bank,collect a large number of case bank operational data and data,and put forward a new control mode for the risk control of supply chain finance,which can provide some experience for other commercial banks and have a certain research contribution.It has certain uniqueness,and it embodies the practical value of transcending the theoretical connotation,and has certain enlightenment and innovation value for Chinese commercial banks to further guard against supply chain financial risks and promote efficiency.