Research On Credit Risk Evaluation In Supply Chain Financing Of Q Bank

The characteristics of supply chain finance business timely solve the financing difficulties and expensive obstacles faced by domestic small and medium-sized enterprises,which has become the focus of the community.However,the increase of non-performing loan ratio of commercial banks and the occurrence of supply chain finance cases show that the credit risk evaluation and control measures are not in place.At the same time,under the background of supply chain finance,the default risk of financing enterprises faced by commercial banks is very different from the traditional business,which puts forward new requirements for their credit risk evaluation.Taking Q bank as an example,this paper analyzes the problems existing in the credit risk evaluation of its supply chain finance and puts forward the improvement scheme.First of all,it analyzes the current situation of "chain e-Loan" supply chain financial business of bank Q.after investigating the credit risk evaluation of supply chain finance of bank Q,this paper finds that the existing credit risk evaluation index system of supply chain finance of bank Q does not fully consider the impact of qualitative indicators,does not consider the credit risk from the perspective of the whole supply chain,ignores the impact of external factors,and has too many problems At the same time,in the selection of evaluation methods,Q bank adopts the expert scoring method which completely depends on the expert judgment,which leads to the accuracy of the evaluation results reduced.Secondly,in view of the existing problems,combined with the characteristics of supply chain finance business,starting from the index selection link,this paper establishes a credit risk evaluation index system of Q bank supply chain finance,which is composed of 5 main indicators and 32 sub indicators.At the same time,using the analytic hierarchy process,this paper constructs the hierarchical structure model of Q bank supply chain financial credit risk,determines the weight of each index through the hierarchical structure model,and uses the fuzzy comprehensive evaluation method to evaluate the credit risk.Finally,the practical application of the above method verifies the operability of the improved Q bank supply chain financial credit risk evaluation system and method.Based on the practice of Q bank’s business development,this research overcomes the broad summary of the credit risk evaluation of domestic commercial banks’ supply chain financial business in traditional research,and analyzes the problems existing in the credit risk evaluation of Q bank,On this basis,the paper puts forward the following suggestions for the establishment of its supply chain financial credit risk evaluation system: pay attention to the combination of subject risk and debt risk,pay attention to the appropriateness of evaluation indicators in the system,and pay attention to the impact of external environment on credit risk.At the same time,in the aspect of credit risk evaluation of supply chain finance,it is suggested that Q bank should develop appropriate evaluation system,improve internal operating system,strengthen post loan supervision measures,and improve the quality of evaluators to improve the quality of supply chain finance business and promote the sustainable and healthy development of supply chain finance.