Research On Supply Chain Financial Risk Control And Optimization Strategy

Supply chain finance is an innovative products service for the real economy especially the small,medium-sized and micro enterprises.With the rise of business and great development potential,it will promote the real economy and solve the problem of difficulty and high cost of attracting fund.The business models of supply chain finance innovate continually,but the attention on risk control is limited.Such financial institutions like banks pay more attention on benefits.In addition,due to the credit enhancement of core enterprises,banks will decrease risk assessment and increase financial risks.The business scale and credit line are considerate continually with the risks increasing.In particular,the current global economic downturn overlapped COVID-19’s adverse effects,and the risk of default increased due to incorrect management.The theoretical research on supply chain finance has been already more concerned,but the research on risk control and optimization strategies still lacks.This paper studies the theoretical basis of supply chain financial and analyzes the operation mode and empirical cases of Z group’.With deeply studies the operation mechanism,risk control and optimization strategy.Then it discusses the optimization strategy of risk control in combination with practice.The risks of Z group’s supply chain finance include diversified development risk,credit risk,the connection between risk prevention and control and business system,etc.The implementation and improvement paths include:multi service integration,online mode,specialization depth,etc.The risk control optimization strategies include:establishing scientific risk model and evaluation index system,improving the deep professional division of labor and collaborative development system,establishing blockchain technology information system,and improving the sustainable development and risk optimization control system.This paper compares the supply chain financial model of Z group with JD.com and Alibaba.It summarizes the characteristics and advantages,analyzes the theory and practice of platform and specialization,and puts forward science and technology empowerment,innovative business model and optimized risk control strategy.This paper innovatively uses the "VaR value at risk" risk measurement model to verify the effectiveness of empirical cases;Innovatively put forward the concept of "interest bearing debt ratio+advance collection ratio" to evaluate the business risk of enterprises.From the perspective of supply chain e-commerce platform,it provides theoretical guidance and method reference for enterprises to participate in supply chain financing activities,improve financing efficiency and prevent financing risks.This paper studies and analyzes the risk control and optimization strategies of supply chain finance.It improves problems,summarizes experience,draws lessons from advantages,puts forward development countermeasures and suggestions for business,which is of great significance both in theory and practice.Consideration at future optimization,and promotes supply chain finance to better serve the real economy.