商业银行供应链金融风险管理研究

Study on supply chain finance risk management of commercial banks

供应链金融作为如今商业银行的新型金融模式,主要是以供应链中的核心企业作为切入点,通过供应链中多个企业的联系来提供相关金融产品以及金融服务,优势较为明显。一方面,可以解决供应链里中小型企业融资上的困难;另一方面,供应链金融又可以对商业银行的业务结构进行一定的改善,使商业银行具有更强的竞争优势。但是,由于供应链上企业关联的程度较高,一旦某一企业存在金融风险,就有可能对供应链上的其他企业造成影响。因此,在经济迅速发展的今天,要对供应链风险进行一定的研究与思考,并实施相关的管理方案,尽量减小或避免供应链金融风险对企业产生的影响。鉴于此,论文将从分析商业银行供应链金融风险识别和供应链金融业务主要存在的风险出发,提出相关的金融风险管理策略。

As a new financial model of commercial banks, supply chain finance mainly takes the core enterprises in the supply chain as the entry point and provides related financial products and services through the connection of multiple enterprises in the supply chain, which has obvious advantages.On the one hand, it can solve the financing difficulties of small and medium-sized enterprises in the supply chain.On the other hand, supply chain finance can improve the business structure of commercial banks to a certain extent, so that commercial banks have a stronger competitive advantage.However, due to the high degree of enterprise correlation in the supply chain, once a financial risk exists in one enterprise, it may affect other enterprises in the supply chain.Therefore, with the rapid development of economy, it is necessary to carry out some research and thinking on supply chain risks, and implement relevant management programs, to minimize or avoid the impact of supply chain financial risks on enterprises as far as possible.In view of this, this paper will start from the analysis of commercial banks supply chain finance risk identification and the main risks existing in supply chain finance business, put forward the relevant financial risk management strategies.