Research On Risk Management Of Supply Chain Financial Business Of Lanzhou Bank

Supply chain finance interacts directly with the production,supply and sales of enterprises by binding the credit of core enterprises.It not only provides support for the development of individual enterprises,but also provides services for the upstream and downstream of enterprises' purchase and sales.By continuously extending to the upstream and downstream,supply chain finance can provide closed-loop services for the whole supply chain In recent years,major banks have taken supply chain finance as the key development direction.However,supply chain financial business as a bank asset business,and mainly in the form of credit or chattel security financing,high risk can not be ignored,with the rapid development of business,credit risk,legal risk,operational risk and so on are constantly exposed.How to effectively manage the risk based on the rapid development of the bank has become particularly important.Based on the descriptive analysis of the current situation of supply chain financial risk management at home and abroad,this paper uses the methods of experience summary,quantitative analysis and case analysis,and takes the loan business data,supply chain financial business data and risk event data of Lanzhou bank in recent 10 years as samples to conduct in-depth study on the development of supply chain financial business and risk management mode of Lanzhou bank.The research finds out the problems and causes of risk management in Lanzhou bank,including the lack of independence of risk management system,lack of information collection and feedback mechanism,unclear rights and responsibilities,single risk management technology,lack of quantitative data and model,confusion with traditional credit risk identification,lack of risk management personnel,low professionalism,lack of standardized operating procedures,etc.According to the problems found,this paper puts forward improvement suggestions from four aspects: improving risk management system,improving risk management technology,innovating risk management means and strengthening risk management team,so as to help Lanzhou bank objectively understand the problems existing in the risk management process of its supply chain financial business,and effectively enhance the level of risk management through improvement suggestions,so as to vigorously promote the level of risk management for Lanzhou bank Develop supply chain finance to escort.