Commercial Bank Supply Chain Finance Risk Management

Commercial banks have been playing a very important position in the economic and financial development of our country.Its existence in China's financial market flows,and contributes to the allocation of funds in China's market,and has an irreplaceable position in promoting the development of China's financial market.China's financial system is composed of various sectors of the financial market.Commercial banks,as an important part of China's financial market,its development and risk management have affected the development of China's financial markets.For the smooth development of China's financial market,how to solve the risks existing in commercial banks is a problem that the financial industry and research experts are unanimously committed to solving.With the development of banks,the supply chain finance model has emerged,and its emergence has provided a good solution to solve the financing and fund allocation.This paper takes bank-A as an example to analyze the problems existing in the supply chain finance business while bank-A continuously obtains good income.When analyzing the business activities of bank-A,this paper discovered the problems of bank-A and found that these problems are typical.Therefore,the analysis of bank-A also has certain reference and significance for the development of China's commercial banks.This paper is divided into six parts.The first part is an introduction,which mainly describes the significance and purpose of this study,literature review,research ideas and main contents.The second part is the concept and the outline of the theory.It mainly describes the main concepts and theories in the paper.In particular,the concept,mode,and characteristics of the supply chain are described.The third part is the status quo of financial risk management in supply chain of bank-A,focusing on the status quo of the development of bank-A supply chain financial risk,the risk identification and the current risk management standard of bank-A and the company's current measures on risk management.The fourth part is taking the bank-A as an example to analyze the problems existing inthe commercial bank from internal and external environmental issues.The main problem is that there are six problems,mainly the high risk of bad debts of bank-A accounts receivable and the manufacturing of A bank's supply chain business.There is an urgent need to raise the level of ratings,electronic,and informatization where the proportion of industry is too high,credit approval systems are flawed,credits are not specifically divided,and the risk prevention system is not standardized.Through the analysis of the specific A bank's data and the analysis of the current problems in the A bank's financial supply chain,the fifth part of the proposal is drawn.The fifth part mainly proposes suggestions on the problems existing in the fourth part,and proposes from these six issues.The main focus is on the management and development of corporate accounts receivable targeted credit process,the construction of a detailed evaluation index system,the establishment of an intensive operating platform,improve the risk management and supervision system,improve the supply chain risk early warning system.The sixth part is mainly to make a summary and explain the shortcomings and prospects of this paper.Finally,it is also hoped that the proposal for the improvement of risk management in the supply chain financial business can make a contribution to the healthy development of China's bank-related business.