供应链融资视角下的商业银行信用风险传导机制研究

The Research on the Credit Risk Transmission Mechanism of Commercial Banks under the Perspective of Supply Chain Financing

本文以汽车供应链融资业务为例,建立基于汽车经销商融资业务的商业银行信用风险传导模型,对供给侧结构性改革背景下汽车产业链上下游的价格变动可能引发的信用风险进行分析,在此基础上对商业银行的信用风险管理提供相关建议。

Taking automobile supply chain financing business as the example, the paper sets up a credit risk conduction model of commercial banks based on automobile dealership financing business, analyzes the credit risk caused by the upstream and downstream price changes of the automobile industry chain under the background of supply-side structural reform, and puts forward relevant advice on the credit risk management of commercial banks.