| Responding to the call of the state,strengthening the construction of financial system,stabilizing the macro economy and supporting the real economy are important contents to improve the construction of China's modern financial system,and the development of supply chain finance can serve as a specific direction.China's supply chain finance started in 1998,because of its huge development potential,attracted the participation of many banks,the rapid economic development has also stimulated the capital demand of enterprises.In the continuous development of supply chain finance,at the bank level,including credit system,risk management and system reform;From the perspective of small and medium-sized enterprises,the financing mode of supply chain is formed from the perspective of financing demand,and the risk control of supply chain finance has higher requirements due to these constantly generated new demands.In 2008,due to the financial crisis triggered by the subprime mortgage crisis,small and medium-sized enterprises were more constrained by the loan credit conditions of banks and other financial institutions.At present,the financing demand of small and medium-sized enterprises is increasing,but banks and other financial institutions have not formed a complete risk control system,and the trust of small and medium-sized enterprises is not high.As a result,it is unable to provide a large amount of loan support for small and medium-sized enterprises.Based on this,this paper chooses the electronic manufacturing industry with high quality development and logistics and scale in line with the operation of supply chain as an example to study the credit risk assessment and prevention mechanism of supply chain finance.Through a large number of literature reading,this paper has an in-depth understanding of the relevant concepts and basic theories of supply chain finance,as well as the formation factors and characteristics of credit risk of supply chain finance.The paper also collects the relevant information of the electronics manufacturing industry selected in this paper,analyzes the supply chain finance and the industry situation,and tries to build a model for assessing the supply finance credit risk situation unique to this industry.In the process of building the model,the data of some electronic manufacturing enterprises in 2020 are selected,not only taking into account the large core enterprises,but also the small and medium-sized enterprises with the largest financing needs,relatively weak information disclosure intensity,and more need to scientifically evaluate credit risks.Therefore,this paper chooses to construct indicators by itself,evaluates them with Logistic model,tests the feasibility of the model,and puts forward reasonable suggestions on the prevention of supply chain financial risks based on key factors.The empirical results show that the Logistic model constructed in this paper can evaluate the credit risk of electronic manufacturing enterprises,and its backward correction scheme passes the test analysis of the accuracy of using this model.In electronic manufacturing enterprises,debt paying factor,operation factor and profit factor have a greater impact on the credit risk of the industry,reflecting the relevant characteristics of electronic manufacturing industry.In the evaluation of credit risk of electronic manufacturing industry,attention should be paid to these factors.Finally,the electronic manufacturing industry spreads to the whole supply chain financial system,and the credit risk prevention mechanism is constructed.Suggestions are put forward for credit risk prevention: In order to prevent the credit risk of supply chain finance,we should strengthen the supervision of supply chain finance risk,perfect the management mode of supply chain finance,improve the credit risk prevention means of financial institutions,strengthen the credit risk control of core enterprises,and enhance the credit risk prevention and control technology of financial institutions themselves. |
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