供应链金融预付账款融资模式下商业银行信用风险控制研究

Credit Risk Control of Commercial Banks in the Pattern of Prepayment Financing of Supply Chain Finance

由于授信视角的转变,供应链金融对于风险的防控与传统信贷相比有很大不同。在预付账款融资模式下,商业银行面临的信用风险源于供应链整体信用等级的下降以及其他参与方不能按预期履行合约。产业政策不确定性、市场变化不确定性、法律不完善以及道德性风险是引发信用风险的主要因素。商业银行应通过推进信息系统建设,加强信贷和资格审查以及加强对质押商品、票据和资金的管理来强化对预付账款融资模式信用风险的防控。

Since the angle of credit extension is Changed, supply chain finance differs greatly from traditional credit and loan in terms of risk control and prevention. In the pattern of prepayment financing, commercial banks face credit risks from whole supply chain credit lev- el decline and failure of contract participants, uncertainty of industry policy, unpredictable market change, imperfect laws and ethnic risks are the main factors causing credit risks. Commercial banks should enhance the control and prevention of credit risks of prepayment fi- nancing by propelling the building of information system, strengthening credit and qualification examination, and intensifying management of collateral, bills and funds.