The Research On Risk Management Of The Supply Chain Financing Products Of Bank Of TZ

As a pioneered bank that provide trade settlement service for local enterprises,bank of TZ with its professional service and great reputation,have made important and vigorous support to our customers.However,the traditional financing designs,with certain limits to the subjects involved in supply chains,meet less and less to the demands on fund of local trade enterprises.Problems are so serious that large enterprises have no appropriate channels to gain cheap fund while the tiny ones have so much barriers to overcome to get loans due to the lack of credit extension.At the same time,Creditors,thebanks,in consideration of risks,check-up systems or managing cost,are reluctant to provide appropriate financing support to meet enterprises' demands which will irrevocably causethe loss of profits of banks.Infact,although the enterprises and bank have the desire of "mutual benefits",it is hard for them to reach their own goals separately.Supply chain financing,a newly-developing model of financing,have tackle the problems above appropriately and have been accepted by increasing number of enterprises.During the progress of supply chain financing,a bank would attach great importance to one's partnership,the stability of industrial chain and the its status in the market as well as the management skills while the financial statement or its separate operational situation are not as premier as before.In other words,a venture will get loans or enjoy other service easily if its supply chain is completely integrated and its business is running.The dissertation gives a brief introduction to the current models of supply chain financing and raises suggestions on promoting the competence of TZ bank and fostering potential customers according to the situation of TaizhouCity.On the other hand,by adjusting the credit management and introducing third-party institution Bank of TZ would take precautions against and transfer financial risk effectively.