| Small and medium-sized enterprises face difficulties such as difficulty in financing,expensive financing,and troublesome financing due to problems such as small operation scale,irregular financial information,and weak credit qualifications.From the perspective of credit transmission in the supply chain,supply chain finance opens up an effective way for the financing of small and medium-sized enterprises,reduces the financing threshold,and provides financial support for the transaction subjects in the supply chain,but also provides a new business development direction for financial institutions.In recent years,the supply chain financial business has developed rapidly,but due to the characteristics of many participants and complex business processes,there are great potential risks.Many financial institutions have frequent risk events related to the supply chain financial business,which has sounded an alarm for the development of supply chain finance.How to effectively identify and prevent the corresponding risks has attracted more and more attention.Based on this background,this paper takes Y Trust Company as the research object,and puts forward corresponding prevention and countermeasures by discussing the risks existing in Y Trust Company in supply chain finance.Based on the research results and related theories of domestic and foreign scholars,this paper firstly sorts out the evolution and mode of supply chain finance,the inducements and categories of supply chain financial risks,and the main process of supply chain finance management.Secondly,starting from the risk events of Y Trust Company in recent years,it analyzes the current risk management of supply chain finance business of Y Trust Company by analyzing the operation mode,operation and financial situation of supply chain finance business and risk management measures in the process of business operation.The status quo,and the main problems that exist.On this basis,comprehensive risk identification is carried out from the dimensions of financing enterprise qualification,counterparty qualification,financing asset situation and supply chain operation status,and then a set of risk assessment index system is established.Key risk points and case application analysis.Finally,according to the results of risk identification and risk assessment of Y Trust Company’s supply chain finance business,this paper proposes optimization suggestions for risk control of Y Trust Company’s supply chain finance business. |
