Research On The Financial Risk Management Of The Supply Chain Of Postal Savings Bank A Branch

“Banks chase big enterprises while middle and small enterprises have to chase banks.” This phenomenon displays the real situation in China bank industry;it also reflects the issue faced by Chinese middle and small enterprises.Along with the era of globalization,the joint companies within supply chain find it much more difficult to improve their cash flows,which affects the whole supply chain's stability and finance cost.Therefore,domestic and overseas commercial banks put up with an effective finance operation model: supply chain finance(SCF).SCF is innovation and achievement of both industries.SCF service,as an innovative business of commercial banks,has broad profit margin and development prospect.Developing SCF service can not only increase commercial banks' profitability but also strengthen their measures for risk control.The key point for successful SCF service development is to research and analyze the risk management issue in SCF.This dissertation chooses Postal Savings Bank of China(PSBC)A Branch as the research object,careful analysis has been made to discover the problems A Branch has in risk management.It also finds out the reasons which lead to those issues and provides several suggestions.It plays a positive role in exploring and stimulating PSBC's SCF business advancement as well as promotes commercial banks' growth in China.This dissertation utilizes both literature research and case study methods to study supply chain finance risk management.Literature review is able to make the research have strong theoretical foundation.Case study is capable of finding out problems and proposing countermeasures,which lead to persuasive conclusion.Through analyzing A Branch supply chain finance service's real issues as well as causes in risk management,it combines with both A Branch's business development situation and risk control management.It put forward several suggestions: firstly,pay attention to whether account receivables can be collected on time.Secondly,establish a specialized credit extension and examination system for SCF.Thirdly,legislate regulations and industry standards which fit for SCF's characteristics.