Research On Financial Credit Risk Of Supply Chain In China’s Automobile Manufacturing Industry

As an innovative financing mode to provide financial support for small and medium-sized enterprises,supply chain finance has become a key financing business for major domestic commercial banks.In China’s economic development,the automobile manufacturing industry is one of the important industries in the national economy,which has an important strategic position and plays a very important role.At the same time,the automobile manufacturing industry is also the leading industry of supply chain finance,and the development of supply chain finance is relatively mature.Due to the complex links of supply chain finance and many enterprises involved,there are inevitable credit risks.This paper takes the supply chain finance of China’s automobile manufacturing industry as the research object,bases on its credit risk in financing,constructs a scientific and reasonable credit risk evaluation system of supply chain finance,which is used to evaluate the influencing factors of credit risk,and provides different theoretical references for the prevention of credit risk of supply chain finance of automobile manufacturing industry,it also enables banks to predict risks in advance,reduce losses and promote the smooth development of automobile manufacturing supply chain finance business when providing financing services for the upstream and downstream SMEs in the supply chain.The first chapter introduces the research background,significance and research status in domestic and overseas.The second chapter introduces the financing mode and credit risk of supply chain finance in automobile manufacturing industry.Firstly,it deeply analyzes the development status of supply chain finance in automobile manufacturing industry in China.Secondly,it introduces the characteristics and business process of financing mode.Finally,it analyzes the characteristics and influencing factors of credit risk.The third chapter constructs the evaluation index system of supply chain financial credit risk of automobile manufacturing industry.According to the analysis of the previous part,22 indexes are selected from three aspects of financing enterprise status,core enterprise status and supply chain status of automobile manufacturing industry to construct the evaluation index system of supply chain financial credit risk and evaluate the influencing factors of credit risk.The fourth chapter selects 55 automobile manufacturing enterprises listed on the small and medium-sized board as the sample enterprises,and carries on the empirical research based on the Logistic regression model,establishes the automobile manufacturing supply chain financial credit risk evaluation model,measures the credit risk of the sample enterprises,and tests the accuracy of the model in the evaluation results.The fifth chapter draws the conclusion,and puts forward the suggestions to prevent the financial credit risk of the supply chain of China’s automobile manufacturing industry from the four perspectives of financing enterprises,core enterprises,supply chain and regulatory agencies.