Research On Supply Chain Financial Risk Management Of Commercial Banks In China

In recent years,the rapid development of supply chain finance in China has brought benefits to commercial banks,but also brought risks and challenges.Compared with the traditional credit business,the supply chain finance has a high degree of interdependence and relevance.Once a certain enterprise in the supply chain has a risk,the transmission function of the supply chain will make the risk spread rapidly,even threaten the safety of the whole supply chain.Especially in the current environment of economic downturn in China,enterprises are under great pressure to operate.In this context,it is valuable to study the supply chain financial risk,so as to better avoid the risk and find a solution to optimize the supply chain financial risk management.This study focuses on the supply chain financial risk management of commercial banks in China.On the basis of fully reading the relevant literature and internal materials of T Bank,this paper uses literature research,comparative analysis,case analysis and other methods,combining with the risk management theory of supply chain finance,successively combs the current situation of supply chain finance and risk management of China's commercial banks,and conducts in-depth case study based on the supply chain financial risk management of T Bank.At the same time,it draws lessons from the management experience of Ping An Bank and Standard Chartered Bank,which are at the advanced level in the supply chain financial risk management,and finally puts forward suggestions to improve the supply chain financial risk management of commercial banks in China:First,optimize the supply chain financial risk management process,improve the system to improve the accuracy of supply chain financial risk identification,strengthen internal control to prevent operational risk.Secondly,we should enrich the risk management means of supply chain finance,strengthen cooperation with the third-party platform,and establish a credit risk evaluation system for supply chain finance to improve the supply chain financial risk management ability of commercial banks.Thirdly,we should build a supply chain financial risk supervision system,establish a reasonable supply chain financial access threshold and an effective post loan early warning mechanism to timely and effectively feedback and respond to the supply chain financial risk.