| Because of its particularity,high natural risk,poor financial gain and great influence of national policy,agricultural rural field has been paid great attention by the state as the weak link of economic development.Therefore,agriculture-related supply chain came into being,which has the characteristics of traditional agriculture-related loan and supply chain finance.Faced with a new credit model and many risk factors,how to evaluate the risk scientifically,effectively and reasonably is the difficulty that financial institutions need to break through in theory and practice,and is also the key to the sustainable and healthy development of agriculture-related supply chain.Based on this,this article takes the risk factors in the agricultural supply chain as the research object from the perspective of the Y branch of China Construction Bank.It first sorts out the current research status of agricultural supply chain risk management at home and abroad.It is found that supply chain research,agricultural loan research,and credit risk research are independent and not integrated,and risk management is mainly focused on core enterprises.The research direction of this article is to integrate the agricultural field Combining the supply chain field with comprehensive risk assessment,this study investigates the credit risk management of agricultural supply chain finance in CCB Y Branch.Based on literature research,this study defines the concept of agricultural supply chain finance,identifies its characteristics,and combines relevant theories to conduct research on credit risk management in CCB Y Branch.Through field research and interviews,we understand the current situation and existing problems of the agriculture-related supply chain management of CCB Y Branch.According to its purpose and existing conditions of agriculture-related supply chain financial credit risk management,this paper combines agriculture-related leadership.Based on the characteristics of the domain and the supply chain,the comprehensive credit risk evaluation index based on the agriculture-related supply chain was established,and the credit risk evaluation model of AHP-FCE was established to optimize the bank’s credit risk evaluation.The validity of the model was verified by introducing the credit case of Y branch to enterprise A,and the advantages and disadvantages of the original risk evaluation model and AHP-FCE were compared.It was concluded that the AHP-FCE model was more comprehensive for the credit risk evaluation on the agriculture-related supply chain The model is conducive to promoting the agriculture-related supply chain financial business,and the model has found the risk characteristics in the agriculture-related supply chain field.Finally,based on the model,the credit risk management suggestions for agriculture-related small and micro enterprises,core enterprises,transaction objects and the whole supply chain are given respectively,and the improvement suggestions are given from four aspects: system optimization,organizational structure and performance content optimization,personnel optimization,and technology optimization. |
