Research Of Commercial Bank Financial Supply Chain Risk Assessment Model

Supply chain finance business is based on the real trade of the small or medium-sized enterprises and the core enterprise on the supply chain.By the control of logistics flow,capital flow and information flow,commercial banks provide the financing suppot for the enterprise.In the supply chain finance business,financial institutions expand the business channel and enrich the source of profits.Financing enterprises obtain the fund support,and reduce the pressure on the funds.Core enterprises strengthen the core position in the supply chain,and reduce the pressure on its own funds.The operation efficiency of the entire supply chainis improved.The risk of supply chain finance business come with the interest.In this complex financing mode,effective discriminant of default risk has become more difficult.At present,there have been no better idea which is able to match the supply chain finance business characteristics,and identify the risk measurement tools effectively.The research of this field will have realistic significance.This article is based on the supply chain financial business of commercial banks in financing corporate and make the default risk as the research object.It puts the influence factors of supply chain finance risk in order.Moreover,it ascertains the main source of financial risks.On this account,it finds the problem that traditional risk assessment system and supply chain finance business are not matching.Finally,the article constructed the PCA-LOGIT regression analysis model and tested by using SPSS software.The model prediction accuracy is close to 90 percent,which proves the effectiveness of the financial risk assessment model.