A Research On Credit Risk Evaluation And Prevention Strategies Of Online Supply Chain Finance

In recent years,supply chain finance,as an important starting point to serve the real economy and solve the financing problems of small and medium-sized enterprises,has been promoted by a number of national policies.However,due to the serious credit gap between banks and enterprises,SMEs are still faced with the problem of "difficult and expensive financing".Therefore,the research on how to select more targeted indicators and more accurate evaluation methods to evaluate the credit risk of online supply chain finance is of great significance to reduce the bank lending risk,improve the willingness to lend,guide small and medium-sized enterprises to find the potential risk points in their production and operation according to the evaluation standard,and improve their management level and credit conditions It has strong practical significance.Based on the theories of information asymmetry,principal-agent,value chain and risk management,this paper refines the main sources and characteristics of supply chain financial credit risk.Combined with the carding and summarizing of relevant literature,and three index screening methods of membership degree method,coefficient of variation method and correlation analysis,this paper analyzes the main sources and characteristics of supply chain financial credit risk from the aspects of financing enterprise qualification,core enterprise qualification,supply chain operation and macro credit risk This paper constructs an online supply chain financial credit risk evaluation index system including 11 secondary indicators and28 tertiary indicators from four dimensions of environment.Based on the index system,this paper selects the data of 368 small and medium-sized enterprises in clothing,household appliances,medicine and construction industries in 2018 as the research sample,and uses factor analysis and logistic regression methods to build the credit risk evaluation models of online supply chain finance in different industries.The model results show that when evaluating the financial credit risk of online supply chain,we should focus on the asset structure,profitability and efficiency of capital use of financing enterprises.In addition,because of the different characteristics of the industry and the mode of production and operation,the influence factors of credit risk between industries are different in the degree and direction of influence.The quality of leaders,the turnover of accounts receivable,the turnover of inventory,and the level of information sharing in supply chain affect clothing,household appliances,medicine and construction,respectively The evaluation of credit risk by industry can significantly improve the prediction accuracy of the model for credit risk.Finally,based on the above conclusions,this paper not only puts forward the corresponding countermeasures for banks to establish credit risk pre control system,improve the online supply chain product access standards for credit risk prevention,but also puts forward some suggestions from the perspective of financing enterprises and core enterprises,such as strengthening their own development and operation ability,establishing supply chain information sharing platform and so on.