工业企业的供应链金融信用风险管理研究

A Study on Credit Risk Management in Supply Chain Finance for Industrial Enterprises

近几年,我国政府有关部门多次在公开资料中提到了供应链金融的作用,随着资金短缺、工业行业转型升级等因素的影响,部分企业开始采用自建模式发展供应链金融。然而,由于供应链金融业务所产生的多种风险问题,使许多企业在这一领域的发展举步维艰。如何提高供应链金融的安全性和稳定性,降低其风险已成为业内研究的热点。从供应链金融的发展状况出发,介绍了工业企业供应链金融现状及信用风险特征,从信贷风险管理的视角对其进行分析,并提出了相应的建议,以期我国工业企业的供应链金融信用风险管理水平能够显著提升。

In recent years,relevant government departments in China have repeatedly mentioned the role of supply chain finance in public information.With the influence of factors such as capital shortage and transformation and upgrading of industrial industries,some enterprises have started to develop supply chain finance by using self-built mode.However,due to the multiple risk issues arising from supply chain finance business,many enterprises are struggling to develop in this area.How to improve the security and stability of supply chain finance and reduce its risks has become a hot topic of research in the industry.From the development of supply chain finance,the current situation of supply chain finance and credit risk characteristics of industrial enterprises are introduced,analysed from the perspective of credit risk management,and corresponding suggestions are put forward,with a view to significantly improving the credit risk management level of supply chain finance of industrial enterprises in China.