基于银企联盟的供应链融资道德风险防范探析

Analysis of Moral Hazard Prevention in Supply Chain Financing of Bank Enterprise Alliance

商业银行传统的信贷模式以及供应链金融等创新融资模式在实际运用中仍存在一定的不足,商业银行在对供应链企业进行融资的时候往往会因为信息不对称和约束机制的不完善而面临道德风险,从而影响到其信贷收益。因此,通过建立模型对传统供应链中小企业融资所存在的道德风险进行分析,然后引入银企联盟供应链的运作机理分析银行在供应链融资中的优势,最后提出供应链融资的道德风险的一些防范措施,从而更好地发挥银行在供应链融资模式中的作用。

There are still some shortcomings in the practical application of the traditional credit mode of commercialbanks and the innovative financing modes of supply chain finance. The commercial banks often face moral riskbecause of the information asymmetry and the imperfection of the constraint mechanism when financing the supplychain enterprises, which affects their credit income. Therefore, through the establishment of the model to analyze themoral hazard of the traditional supply chain SME financing, and then to introduce the operation mechanism of thesilver enterprise alliance supply chain to analyze the advantages of the bank in the supply chain financing, andfinally put forward some anti-model measures for the moral risk of supply chain financing, so as to better play therole of the bank in the supply chain financing model