Research On Supply Chain Finance Credit Risk Management Of G Bank L Branch

The supply chain finance business of commercial banks has developed rapidly in recent years,and the demand of the market for its innovation and development ability has been increasing.L Branch of G Bank has begun to promote the transformation of key businesses in recent years,taking improving the product system of supply chain finance business and optimizing the service of supply chain finance business as an important starting point to enhance the ability of financial services to serve the real economy,and vigorously developing supply chain finance business.However,with the continuous expansion of the scale of supply chain finance business,the problem of credit risk management has become increasingly prominent.In view of the credit risk prevention of the supply chain finance business of G Bank L Branch,it is necessary to establish a perfect credit risk assessment system of supply chain finance business,so as to prevent and control the credit risk of the supply chain finance business of G Bank L Branch more effectively and rationally,and promote the steady and sustainable development of the supply chain finance business of G Bank L Branch.This paper takes the supply chain finance credit risk management of G Bank L Branch as the research object,and analyzes the problems existing in the supply chain finance risk management of G Bank L Branch through the interview method.Identify the sources of credit risks in the supply chain finance business of G Bank L Branch from three levels: core enterprise,financing enterprise and supply chain operation,evaluate the risks at different levels,and formulate clear risk response methods and specific strategies.In the link of risk identification,the credit risk factors involved in the supply chain finance business of G Bank L Branch are identified through the expert meeting method,and the final index system is constructed.In the risk assessment link,the use of analytic hierarchy process analysis of G Bank L Branch supply chain finance credit risk assessment index system in the weight value of risk factors,and then the fuzzy comprehensive evaluation method to quantify the risk index,determine the level of risk.In the risk control link,according to the assessment of the risk level,from the risk avoidance,risk reduction,risk transfer and risk bearing four levels of control plan.The study of this paper is of great help to improve the supply chain finance credit risk prevention and control ability of G Bank L Branch,and plays a major role in promoting the steady development of supply chain finance.At the same time,it has a learning significance for the risk assessment of other businesses of G Bank L Branch.