Research On Credit Risk Management Of ZY Bank’s Auto Supply Chain Finance Business

Supply chain finance is a kind of financial product innovation in recent years in our country,which aims to improve the overall operation efficiency of core enterprises upstream and downstream.Under the current background of China’s economic supplyside reform,commercial banks are actively carrying out financial research and innovation for supply chain enterprises in line with the development trend in order to strive to be in the forefront of their peers.As the largest legal person financial institution in Henan,ZY Bank is also actively developing products in the financial business of automobile supply chain.However,the non-performing loan ratio is relatively high and credit risk problems frequently occur.Therefore,it is of positive significance and practical value for ZY Bank and its peers to explore the credit risk of automobile supply chain finance business from a theoretical perspective.Firstly,this paper introduces the research background and significance,literature review at home and abroad,research methods,research contents and innovations,as well as the concept,characteristics and market positioning of supply chain finance.The theoretical basis of supply chain finance and the mechanism of credit risk formation and control in supply chain finance are analyzed.Then,it analyzes the current situation of risk management in ZY Bank’s auto supply chain finance business,briefly describes the current situation of development in ZY Bank’s auto supply chain finance business,and analyzes the current situation of credit risk management in ZY Bank’s auto supply chain finance business.On this basis,this paper selects the enterprise data of 14 ZY Bank’s auto finance supply chain business in the last 3 years(2016-2018)and empirically analyzes the credit risk of ZY Bank’s auto finance supply chain business by constructing Logistic model.Based on the external environment problems of automobile supply chain finance business and the internal system problems of ZY Bank,this paper makes a detailed analysis on the credit risk management of automobile supply chain finance of ZY Bank.In view of the existing problems,this paper combines the credit risk control mechanism of supply chain finance business,and puts forward targeted solutions from two aspects of actively coping with the external environmental pressure in the new era and improving the internal credit risk management.Finally,combined with my own research and practice,I put forward the reference conclusion and prospect of ZY Bank’s auto supply chain finance.