| In the economic environment in which China’s building materials industry is located,due to project acceptance,process,capital chain,settlement cycle and other reasons,the "credit sale" transaction mode is very common.Small and medium-sized enterprises can not pay off their debts within the agreed time limit,which has an extremely adverse impact on their reputation,and financing is becoming more and more difficult.At this time,supply chain finance has entered the building materials industry and developed rapidly.Supply chain finance has opened up the single financing mode between upstream and downstream enterprises in the supply chain of the building materials industry,reduced the high financing costs in the supply chain links where building materials enterprises are located in the future development,and supply chain finance has rapidly become one of the effective ways to comprehensively improve the market core competitiveness of the building materials industry and promote the development of the industry supply chain.Based on the supply chain finance model and concept,the comprehensive risk management theory and the information asymmetry theory,this paper adopts the case analysis method and the inductive deduction method,selects the supply chain finance development and business model of BNBM as the research object,and studies the basis and motivation of its development of supply chain finance,the current supply chain finance development and business model and its operation mechanism,and the effect of supply chain finance implementation,And the internal and external risks existing in the current mode of supply chain finance of enterprises.Through the analysis of the case,it further summarizes the types and identification management of financial risks in the supply chain of the building materials industry.First of all,this paper enumerates and combs the current research results of supply chain finance and risk management at home and abroad.Secondly,the traditional supply chain financial business model of the building materials industry is elaborated,and the emerging supply chain financial business model and comparative advantages are analyzed.Then it gives a detailed description of the development and financial situation of the case enterprise BNBM,and briefly analyzes the recent implementation effect and main problems of the two supply chain financial modes of BNBM:confirmed warehouse mode supply chain finance and accounts receivable order mode supply chain finance.Finally,it focuses on the analysis of the supply chain financial risk management and identification and control of BNBM,and concludes that it mainly faces credit risk,legal risk,operational risk and other risk problems.In view of the above risks faced by the supply chain financial model of BNBM,the credit risk caused by the untrue trade background and the legal risk caused by the unclear division of rights and responsibilities are solved through the management of the supply chain member units,and the financial risk caused by the asymmetric information is avoided through the assessment of the credit rating system in advance,Finally,a series of risk losses caused by nonstandard operations are reduced through the joint and overall management of multiple departments in the transaction approval process.This study draws the following conclusions:first,BNBM has a significant effect on the capital flow and development of itself and upstream and downstream enterprises by carrying out supply chain finance,but the mode is single and there is room for improvement.Second,the financial risks in the supply chain of BNBM are diversified and should be continuously improved through a variety of risk control and prevention and control integrated management.Third,from the case analysis,it is concluded that the supply chain finance of the building materials industry has low transparency of industry information,because the development of enterprise supply chain finance is still in the primary stage,and the risk system prevention is not mature.Therefore,it is necessary to strengthen the comprehensive ability of the industry by building the supervision and control system and departments,improving the operation management system,building the construction of industry laws and regulations.The building materials industry can integrate industry risk management more comprehensively and quickly through the whole ecological linkage combination of enterprise level,regulatory level and government level.This paper suggests that the building materials industry,in addition to improving its own business,can further strengthen the tracking management of the credit transactions of the whole industry and the credit of related member units through scientific and technological means,improve the training of professionals,improve the top-level design and establish a sound information sharing platform,and continuously promote the construction of laws and regulations with the development of supply chain finance in the industry,so as to strengthen the financial risk prevention ability of the industry’s supply chain.The research innovation of this paper is reflected in the following aspects:first,innovation from the perspective of research industry.This paper analyzes the financial risk prevention of the supply chain of the building materials industry from the perspective of the financial model and risk source of the supply chain of BNBM,and the level is clear.2、The innovation of the research content is that this paper analyzes the different dimensions of risk prevention in the building materials industry,involving the construction of a building materials industry risk prevention system from the enterprise level to the government level through multiple dimensions. |
