Research On Risk Management Of W Bank Supply Chain Finance

As a new force of enterprises,small and medium-sized enterprises play a more and more important role in the development of the country.Their status can be intuitively illustrated by actual data.No matter in terms of national taxes,gross national product,technological innovation,urban labor employment,number of enterprises,etc.,the overall performance of small and medium-sized enterprises are among the best,so their status is very important.In the fourth quarter of 2019,the sme development index reflects the following characteristics of the operation of smes: stable market expectations,rising operating costs,and tight capital conditions.Supply chain financial financing is a new financing mode of commercial banks,which is mainly applied to small and medium-sized enterprises in a weak position in the supply chain.Among all the financing modes of commercial banks,supply chain finance,as a new one,plays an important role.For some small and medium-sized enterprises without financing advantages,supply chain financing can play a great role in helping them,and for commercial banks,it can also expand new businesses to achieve profit growth.As a new financing mode,supply chain finance has played an important role in the development of commercial banks.On the one hand,it can play its own financing advantages,survive in the fierce market competition,on the other hand,it can continuously reduce the probability of financing risk.However,due to the increasingly close degree of world economic integration,the cyclical characteristics of economic crisis also pose a certain risk threat to the development of supply chain finance,so we should be alert.Therefore,the research on supply chain financial risk management of commercial banks is imperative.To a certain extent,it is necessary to discuss the supply chain financial risk management of commercial banks.The development of this work can make commercial banks more stable and healthy in the development of supply chain financial business.In the current background of the world and China's economic development,because this paper was engaged in the supply chain finance related business processing in Bank w before,this paper takes Bank w as the research object in the process of case study,this article through the methods of literature,case analysis to explore W Bank financial risk of supply chain management.Case of this paper is the research background and research content are introduced,and a brief analysis of the current research situation at home and abroad,secondly on the concept and characteristics of supply chain finance,financing mode and its development status are expounded,and then to the financial supply chain in W,the article briefly introduces the development of the bank and background lead to W Bank financial risk management of supply chain is the issue.Subsequently,the risks faced by W Bank's supply chain finance were identified and evaluated.Finally,based on the research results of supply chain finance risk management of W Bank and the future development direction of W Bank,this paper proposes risk management measures.This article main research conclusion is that the W Bank at present in the supply chain financial management problems mainly from the core enterprise credit risks of the main body,the third party platform data authenticity risk,trade authenticity of supply chain risk and cash flow security features,need from the following several aspects of financial risk management of supply chain optimization: Emphasis on the management of accounts receivable,advance payment financing model of risk management,guard against operational risks in the financial business,supply chain development of targeted credit evaluation system and to strengthen the construction of information platform in the supply chain financing,to help W Bank in the process of development in the future better for supply chain risk management.