Research On XX Bank Supply Chain Financial Credit Risk Management

Supply chain finance is a new financial innovation operation mode under the new economic environment,which can help traditional financial traditional commercial banks to better carry out supply chain financing business.For banks,supply chain finance is an emerging business model for banks that can help banks expand their credit business and credit fields.For enterprises,it can help companies broaden their financing channels and help companies have more ways.The method is financing to help enterprises solve the problem of financing difficulties and alleviate the financial pressure of enterprises.Supply chain finance is a way for banks and financial institutions to make reasonable and effective adjustments to the supply chain capital flow from a higher starting point and from the overall direction of the industrial supply chain industry,helping enterprises to provide better overall reduction.Cost,cost optimization and cost savings.The reduction of supply chain finance is the overall cost of the supply chain in the development process of the enterprise,helping the enterprise to better solve the financial problems of the enterprise and promoting the better development of the small and medium-sized enterprises,so that the middle and lower enterprises can continuously improve the profit level,thereby promoting the overall national The improvement of the economic level.But the risk management of supply chain finance is a concern for all commercial banks.Only understanding the risks of risk analysis and formulating reasonable risk prevention measures is the long-term solution to help banks and financial institutions to better develop supply chain finance.Therefore,research on supply chain finance of commercial banks is extremely urgent.This paper chooses to study XX Bank,selects the supply chain financial perspective to analyze the XX Bank supply chain financial risk management problem,and gives corresponding countermeasures and suggestions to help XX Bank improve the supply chain financial risk management level.Specifically,the content of this paper is as follows: The first chapter introduces the background and significance of the research,ideas and methods,content and framework,innovation and deficiencies;the second chapter is about domestic and international supply chain finance and supply chain financial risk management.The literature is combed;the third chapter analyzes the theory of supply chain financial risk management and the development of China's bank supply chain finance,and analyzes the commercial practice of supply chain finance in China's commercial banks because XX Bank provides reference for reference;This paper analyzes the supply chain finance and operation mode of XX Bank and clarifies the status quo of XX Bank's supply chain finance.The fifth chapter mainly analyzes the financial risk and management problems of XX Bank's supply chain,pointing out the main risks and risks of XX Bank's supply chain finance.Performance and risk causes.Then further explore the problems of XX Bank's supply chain financial risk management,including risk management concepts and awareness,risk management system and technology defects,internal rules and regulations are not perfect,the quality of employees needs to be improved,and the incentive and restraint mechanism is not perfect.On this basis,it analyzes the experience of foreign banks' supply chain financial risk management,including the status quo of foreign commercial bank supply chain financial business and the practice of risk management,and draws lessons from the experience of XX Bank's supply chain financial risk management;The six chapters mainly give optimization suggestions for XX Bank's supply chain financial risk management issues,and optimize them from six aspects: organization,system,process,information system,incentive and restraint mechanism,thus effectively helping XX Bank to improve supply chain financial risk.Management level.The development of supply chain financial business is inevitably the risk of supply chain financial business.As the macroeconomic environment is constantly changing,the development of the enterprise itself is constantly changing,thus making the development of supply chain financial business very The big difficulties and challenges,the macro environment and the internal environment of the enterprise are very complicated.In this paper,the author studies and analyzes the risk management of XX Bank,which is mainly based on the qualitative research of the theory.The quantitative analysis is due to the lack of basic data,which makes the paper's persuasiveness and reference poor,which is the need for improvement.In the future,we will conduct more in-depth research from two aspects: First,apply the theoretical content of supply chain financial risk management to bank risk management practice,and test the risk management theory in practice to better guide and reference.Secondly,for some key industries,the establishment of accurate risk assessment models,more introduction of risk quantification methods,more quantitative analysis of risks,and measurement,evaluation and prediction,targeted to give more For rigorous risk response measures.