Financial Institutions Under The Financing Mode Of Supply Chain Inventory Pledge Credit Risk Management Research

As is known to all,the credit business of financial institutions mainly tends to large enterprises with stronger strength and higher credit rating.Small and medium-sized enterprises with weak strength and low credit rating have great difficulty in obtaining loans from financial institutions.With the development of The Times,the credit business model of financial institutions is also constantly innovative,supply chain inventory pledge financing model came into being.This model not only expands the business channels of financial institutions,increases the business volume,but also solves the problem of capital shortage of small and medium-sized enterprises.Timely repayment of principal and interest is the basic requirement of financial institutions to debtors.In order to ensure the security of loans,it is particularly important for financial institutions to strengthen credit risk management.This paper takes the risk management of credit business of financial institutions under the mode of inventory pledge of supply chain as the research object,and carries out discussion according to three steps of risk identification,risk evaluation and risk control.Firstly,the risk identification of credit business of financial institutions under supply chain inventory pledge mode is carried out by using theoretical analysis method and expert investigation method,and the final risk list is established.Secondly,based on the risk identification results,the corresponding risk evaluation index system was established,including 4 first-level indicators,9 second-level indicators and 20 third-level indicators.The internal consistency reliability analysis of the evaluation index was carried out by SPSS software,and the reliability and credibility of each index were verified.Thirdly,the analytic hierarchy process and entropy weight method are used to determine the combined weight of evaluation indexes.Fourthly,a risk evaluation model is constructed by matter-element method.Fifth,the risk control measures of credit business of financial institutions under supply chain inventory pledge mode are discussed.Finally,the risk management of the actual cases of credit business of financial institutions under the supply chain inventory pledge mode is carried out.