Research On Financial Credit Risk Of Online Supply Chain In Auto Industry

With the development of informatization,supply chain finance has started to"online",and online supply chain finance has developed.It is a financial innovation activity based on the combination of financial industry and transactional real industry,and developed with informatization and platform.And auto industry in our country because of the impact of external factors and their own factors,struggling,one of the most important reason is that China’s auto industry financing difficulties,most of the financing enterprise get Banks to lend,its development is affected by the serious,this is due to our country auto industry financing scale is small,fast frequency,caused by the imperfect financial data.But with the development of online financial supply chain,it has become a core enterprise solve car financing enterprises financing a mainstream direction of the upstream and downstream,with the development of the construction of the platform and information,auto financing companies financing will become more convenient,however,due to the development of supply chain finance online,its credit risk also have new characteristics.Therefore,the research on the credit risk of online supply chain finance in automobile industry has become the focus of this paper.Firstly,through reading a large number of literature,the author summarized the methods of credit risk identification and measurement of online supply chain finance,and selected Logistic regression as the research model of credit risk of online supply chain of auto industry according to their applicable conditions.Secondly,taking the enterprise data related to the auto industry as an analysis sample,16 appropriate influencing factors are selected as explanatory variables for descriptive analysis,and it is found that these explanatory variables are all related to the occurrence of credit risk.Thirdly,take the occurrence of credit risk as the explained variable and use Logistic regression to obtain significant results through factor analysis.Finally,this paper for online supply chain finance credit risk prevention and control of the auto industry in our country put forward some Suggestions,including improve the management level of core enterprise,improve financing enterprise profitability,manage finance the debts of the enterprise,strengthening the construction of the online,improve the core enterprise access mechanism,perfect the dynamic monitoring in the process of the loan and strengthen the construction of bank credit risk evaluation system.By Logistic regression model,we can see the core enterprise operating performance factor,financing,corporate profitability factor,financing enterprise debt paying ability factor,financing business development capacity factor and the online industry booming factor and degree of online financial credit risk of the supply chain in the auto industry is significant,the financing ability of enterprise development factors of online financial credit risk of the supply chain in the auto industry the most significant,therefore,the auto industry in conducting online supply chain finance business,In order to reduce the occurrence of credit risk,we should pay attention to the changes of three variables:the quality of leaders,the growth rate of net profit and the growth rate of operating income.