Optimization Research On Distributors Factoring Credit Risk Evaluation System Of B Company

Since the Ministry of Commerce launched the commercial factoring pilot in 2012,the domestic commercial factoring industry has entered the growth period after ten years,and has become one of the effective financing methods to solve the financing difficulties of small and medium-sized enterprises,the high cost of financing and reduce the leverage ratio of enterprises,and is an important part of supply chain finance.However,while growing during the outbreak,domestic factoring credit default events have emerged one after another,bringing huge losses to the factors of the fund provider and causing industry shocks,and credit risk has become the main risk restricting the development of commercial factoring.Based on the multiple default events of company B’s distributor factoring,this paper discusses the credit risk assessment of the factoring business of company B’s distributor,analyzes the current situation of the credit risk evaluation of the factoring business of company B’s distributor through the survey and interview method,puts forward the problem that the existing evaluation system is not applicable to evaluate the factoring business of the distributor,and points out the reasons why the existing evaluation system is not applicable in combination with relevant management theories.Using the analytic hierarchy method and fuzzy comprehensive evaluation method,the factor credit risk evaluation system of Company B distributors is optimized from the aspects of evaluation content and method,and the case data of distributors who have been factored are selected to verify its feasibility in the new evaluation system after optimization,and the results show that the new evaluation system is conducive to helping Company B evaluate credit risk more accurately in daily operation,reduce the probability of credit risk occurrence and reduce losses.The research results of this paper have certain practical significance for Company B to assess the credit risk of distributor factoring business,and provide certain reference and reference for the credit risk assessment of similar businesses of other factors.