基于灰色关联分析的商业银行供应链金融风险策略研究

Research on financial risk strategies of commercial banks supply chain

在经济全球化和一体化的进程中,商业银行扮演了重要角色,发挥了越来越关键的作用。银行供应链金融业务是银行在现有业务模式下,从中小企业客户融资角度出发,在以真实业务贸易背景的前提下,依托于上下游核心厂商,较好的解决了中小企业融资难的问题。近年来,随着商业银行供应链金融业务的蓬勃发展,此项业务中存在的风险问题逐渐显露,已经对商业银行的经营产生了影响;因此,对商业银行供应链金融业务中涉及的风险进行研究并提出有针对性、建设性的策略,对商业银行管理工作及正常运营具有至关重要的作用。本文以商业银行供应链金融业务为研究对象,使用灰色关联分析法对商业银行供应链金融业务中存在的风险进行分析并提出相应的对策。

In the process of economic globalization and integration,commercial banks play an important and increasingly critical role.The banking supply chain financial business is based on the bank's existing business model,from the perspective of customer financing of small and medium-sized enterprises,relying on the core manufacturers of upstream and downstream,which solves the financing difficulties of small and medium-sized enterprises under the premise of real business and trade background.In recent years,with the vigorous development of the supply chain financial business of commercial banks,the risk problems in this business have gradually emerged,which has had an impact on the operation of commercial banks.Therefore,to study the risks involved in the supply chain financial business of commercial banks and put forward targeted,implementable and constructive strategies is vital importance to the management and normal operation of commercial banks.This paper takes the supply chain finance business of commercial banks as the research object,uses the Grey Relation Analysis method to analyze the risks existing in the supply chain finance business of commercial banks,and puts forward the corresponding countermeasures.