互联网背景下皮革企业供应链金融及风控研究

Supply Chain Finance and Risk Control of Leather Enterprises under Internet Background

我国的皮革企业大多为中小型企业,从银行获取融资的难度较大。文章基于互联网背景,以我国某中小型皮革企业为例,对皮革企业供应链金融中面临的主要风险进行分析,认为互联网背景下皮革企业的供应链金融仍然存在资本风险、流动性风险、资产质量风险,以及盈利性风险。文章针对各风险类型建立评价指标体系,通过计算各指标金融风险评分,得到皮革企业供应链金融风险值最高的几项指标并提出了针对性解决措施。

Chinese leather enterprises are mostly small and medium-sized enterprises,which is difficult to obtain financing from banks.Based on the internet background,taking a small and medium-sized leather enterprise in China as an example,the main risks faced by leather enterprises in supply chain finance were analyzed.There are still capital risk,liquidity risk,asset quality risk and profitability risk in supply chain finance of leather enterprises under the internet background.An evaluation index system for each risk type were established,the financial risk score of each index was calculated,several indexes with the highest financial risk value in the supply chain of leather enterprises were obtained,and targeted solutions were put forward.