Study On The Risk Portrait Of Customers In Supply Chain Finance And The Loan Guarantee Rate Of Accounts Receivable Finance

Supply chain finance in alleviating the enterprise financing difficult problem as well as expand the bank financing business,under the influence of the new champions league epidemic government has pursued a policy in our country,further opening up the market financing environment to support the development of small and medium-sized enterprises,large stateowned commercial Banks and small and medium-sized regional Banks demanding provide financial loans to small and medium-sized enterprises service.However,there are still problems in the credit investigation system of Chinese enterprises,especially the situation of small and medium-sized enterprises with weak anti-risk ability and relatively closed credit information,which greatly reduces the enthusiasm of financial services.The uneven credit status of smes encourages financial institutions to lend differently.Therefore,how to effectively identify risk factors and control them is particularly important to reduce the financial risks of supply chain.Aiming at the current financing situation of small and medium-sized enterprises in supply chain,this paper mainly researches from two perspectives,namely the risk portrait of small and medium-sized foreign trade enterprises and the financing guarantee rate decision of receivables under the insurance mechanism.First of all,based on the small foreign trade enterprise after desensitization treatment of 878 home real data sample build machine learning model,four kinds of general classification model through three integration model and two kinds of integrated optimization algorithm for the training sample build model,according to the six classification index to evaluate 21 kinds of model,the results found that bagged catboost for optimal model.Secondly,by adjusting the threshold value to further improve the identification accuracy of risk enterprises,eight risk labels are extracted from 13 index features of the source data,and the weight of each risk label and its impact on the risk are interpreted to finally construct the risk portrait of the enterprise.Finally for accounts receivable financing model,based on all parties to the game for the rational man hypothesis assumptions,such as accounts receivable financing mode is established distributors and suppliers bank tripartite game model,through the game analysis of Banks expected return,to verify the effectiveness of the insurance mechanism for reducing the financing risk,further study on the optimal loan-to-value ratio influence factors and management countermeasures are put forward.