Study On The Optimization Of Risk Management And Control Of Ping An Bank's "Purchasing With Free Loan" Financing Mode

Nowadays,the financial disintermediation and the financing of small and medium-sized enterprises are going to be serious,but the e-commerce,information and big data develop rapid,many commercial banks in our country are gradually exploring the supply chain financing services.From the traditional financing services,to some single financing ways such as chattel mortgage financing,factoring and so on,and to the diversity supply chain financing services.Commercial banks aim to provide small and medium-sized enterprises with more convenient financing services.In the traditional supply chain financing mode,the banks are difficult to judge the small and medium-sized enterprise's financial strength as well as the cash flow situation according to the information provided by the enterprise itself,thus,banks are facing a greater risk of credit in the process of financing for small and medium-sized enterprises.Ping An bank's online supply chain financial services started early,therefore,this article mainly takes Ping An bank's online supply chain financing model "purchasing with free loan" as an example,and based on the perspective of game theory to analyze the risks that enterprises and commercial banks face in this supply chain financing model,then put some risk control measures.Based on the perspective of game theory,this paper combine with Ping An bank's online supply chain financing model "purchasing with free loan",and build the double Stackelberg game model between Ping An bank,the core enterprises and the small and medium-sized enterprises under the premise that only the small and medium-sized enterprises default.Then build some parameters to simulate the largest earnings of the subjects under different scenarios by using the control variate method,finally it is concluded that under the different scenarios,which risks that Ping An bank,the core enterprises and small and medium-sized enterprise face and therefore put forward some advice about risk control.Based on the game model between core enterprises and small and medium-sized enterprises,the key factors that affect whether the core enterprise tender guarantee are the size of commodity demand elasticity,sales profit,the guarantee ratio as well as the external effect of core enterprise.So that the core enterprises need to continuously reduce the production cost,and to improve the supply and marketing electronic information platform,and to grasp the financial strength and operating conditions of small and medium-sized enterprises.The key factors influencing whether the small and medium-sized enterprise keep their promise are the size of commodity demand elasticity,sales profit deposit,loan interest rate,proportion rate and Ping An bank's rewards and punishments measures.First,improving the business income and the cash flow are the key to improve the credit rate,second,the small and medium-sized enterprises also should complete their internal control mechanism,the credit system and so on,then the small and medium-sized enterprises will be easier to get the bank's loan.Based on the game model between Ping An bank and the supply chain,it is concluded that the key factors that affect whether Ping An bank recover loans is the recovery cost.Firstly,Ping An bank needs to continue to develop online supply chain financial platform to create a more powerful data monitoring and control system,so it can reduce the audit and supervision on loan financing cost.At the same time,it is necessary to construct an evaluation system that is suitable for small and medium-sized enterprises with the help of "orange e" or the supply and marketing platform of the enterprise,so as to make dynamic supervision.Secondly,a clear reward and punishment system is necessary for supply chain enterprises.Finally,improving the law and regulations on recovery loan can reduce the recovery cost,and then reducing the risk of Ping An bank's financing.