Research On Supply Chain Financial Credit Risk

Supply chain finance business is a new type of financing,mainly to solve the problem of financing difficulties for SMEs.By citing the operation status of core enterprises and supply chains into the supply chain finance business,the credit level of the financing enterprises located in the supply chain is improved,which is beneficial to the financing enterprises to obtain loans.In addition,it also has interests for financial institutions such as banks,expanding the scope of services of banks and increasing the profit points of banks.Although supply chain finance solves the problem of financing difficulties for SMEs,because supply chain finance links multiple companies,the business is complicated and the risks increase.The 48 sample enterprises screened were divided into normal enterprises and non-normal enterprises,and the obtained models were used for verification and compared with the initial classification.Therefore,a model suitable for supply chain financial risk assessment was developed,and corresponding risk management measures were taken to promote the sustained and steady development of financial institutions such as banks.Based on relevant theoretical research at home and abroad,this paper establishes a financial risk assessment model suitable for supply chain,making the assessment of risk more scientific,objective and effective.First of all,through reading and collating relevant research at home and abroad,the basic concepts and characteristics of supply chain finance and the theory of supply chain financial credit risk assessment are described.Then introduce three supply chain financing models and analyze the sources of risk in these three financing models.Then,through the selection of indicators in the four aspects of financing enterprises,core enterprises,pledge qualifications and supply chain operation status,an indicator evaluation system is constructed.I select molding technology as the research object and substitute it into the risk assessment model to measure the probability of compliance of molding technology in two different financing methods.Finally,based on the analysis results,combined with the status quo and characteristics of China's supply chain finance development,the risk prevention measures and recommendations are proposed from the perspective of banks and other financial institutions.According to the research results,supply chain finance is different from traditional financing business,and needs to consider risk factors from financing companies,core enterprises and supply chain operations.In the indicator system constructed in this paper,financing enterprise qualification,core enterprise qualification and financing assets are the main sources of risk.Through the constructed Logistic regression model,the prediction results are good,providing data support for assessing the credit risk of SMEs,and providing data support for banks in deciding whether to lend.