Study On Risk Management Of Supply Chain Finance Of Ping An Bank

Our country small and medium-sized enterprises is the important force to promote the development of economy,the role in promoting China's GDP growth has become increasingly apparent,however,the financing difficult problem has restricted the steady development of small and medium-sized enterprises,small and medium-sized enterprise itself has a small scale,the characteristics of less money,anti-risk ability is poor,cause its difficult to full specified amount through the bank financing.In order to solve the problem faced by SMEs,expand the demand of Banks and improve the efficiency of the whole supply system,supply chain finance came into being.Supply chain finance depends on the reputation and status of core enterprises in the supply chain,and extends credit and loans to enterprises in the upstream and downstream of the supply chain,so as to improve the income of intermediate business and bring benefits to the bank.Ping An bank(formerly Shenzhen Development Bank)firstly develops supply chain finance in China,takes the bank as the core,manages the capital flow,logistics and information flow of core enterprises,upstream enterprises and downstream enterprises,and is more personalized and professional compared with the traditional trade financing method,thus breaking the deadlock of traditional financing.This is a breakthrough in the supply-side structural reform of ping an bank,and it is also the main entry point to realize the transformation of ping an bank through the ecological enabling industry of fintech.Supply chain finance has become an important weapon,improve the Banks' profits but at the moment in terms of ping an bank,the risks of supply chain finance is a lack of enough attention,due to the third party subject's intervention,the existence of the financial collateral and ping an bank itself,the existence of the particularity of brand,led to the financial risk of the supply chain,pingan bank is still lacking in terms of its risk management.Based on the literature on supply chain finance,risk management of commercial banks and risk management of supply chain finance,the paper divides the development of supply chain finance of Ping An Bank into exploration stage,online stage,high-speed development stage and intelligent stage according to the life cycle theory.Combined with Ping An Bank in 2015-2019 the main financial indicators,the paper analyzes the current situation of ping an bank financial risk management of supply chain,and further discusses the advance payment,accounts receivable,inventory three kinds of the risk in the financial model of supply chain and its characteristics,at last put forward five advice including perfecting the supply chain enterprise mechanism of access,selecting the appropriate third party logistics enterprise,strengthening the regulation of personal property of the real rights for security,completing bank internal risk control system and constructing supply chain financial brand.This paper aims to provide some references for other commercial banks to strengthen the risk management of supply chain finance.