Abstract
Narrow financing channels and high costs have gradually become the main factors restricting the development of small and medium-sized enterprises. The break of the capital chain will restrict the development of the overall supply chain. The emergence of supply chain finance has brought good news for solving the problem of limited capital of small and medium-sized enterprises. However, affected by many factors such as the imperfection of the existing regulatory system, the inefficiency of the credit rating work of financial institutions, and the low moral standards of supply chain member companies, financial institutions bear huge credit risks. Based on the current research of supply chain financial credit risk, this paper analyzes the causes and characteristics of supply chain financial credit risk, finds out the problems and their causes in the identification and evaluation of supply chain financial credit risk, and how to identify and effectively identify and analyze the supply chain financial credit risk in a more timely and effective manner. It is expected to provide reference for financial institutions to strengthen the financial credit risk management of supply chain.
Highlights
1.1 Research backgroundIn recent years, the number of small and medium-sized enterprises in China has been increasing, and the shortage of funds has become a key factor restricting the development of small and medium-sized enterprises
Chain financial credit risk refers to the possibility that the financial institution cannot perform its obligations in accordance with the pre-agreed conditions, that is, the default of the financial institution causes the actual income of the financial institution to deviate from the expected income, or the time for the realization of the income to deviate
Current research mainly focuses on the evaluation of the causes and influencing factors of supply chain financial credit risks, and how to identify and evaluate credit risks in a timely and effective manner has become an urgent problem for financial institutions to solve
Summary
The number of small and medium-sized enterprises in China has been increasing, and the shortage of funds has become a key factor restricting the development of small and medium-sized enterprises. In order to support the development of small and medium enterprises, the state has actively implemented a series of related policies such as inclusive finance and encouraged the improvement of the credit reporting system for small and medium enterprises. The balance of loans in the inclusive finance sector in China has increased year by year. 23.46 trillion yuan, indicating that financial institutions have actively responded to policy calls and strengthened their efforts in key areas of inclusive finance. The development of supply chain finance provides new ways for small and medium enterprises to raise funds, and expands the business areas of financial institutions and provides new profit growth points. Strengthening the financial risk management of the supply chain has become the focus of financial institutions. This article mainly studies supply chain financial credit risk
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