摘要
供应链金融是商业银行融资贷款最重要的业务模式之一,是连接核心企业与中小企业的纽带,能够满足中小企业融资需求。但随着金融科技的快速发展与业务的提升,在当前金融环境下,传统的供应链金融模式已不再适应现今的市场环境,商业银行面临着日益复杂的信贷风险。数字供应链金融的出现,可以提升交易数据的真实性、透明性,为商业银行评估融资企业信贷风险等级提供了更加智能便捷与客观的资金管理信息。本文以中信银行为例,在数字供应链金融环境下,综合考虑多个影响因素,对融资企业建立较为全面、综合的评价指标体系,结合因子分析法和3σ法则确定企业信贷风险等级,对中信银行的信贷风险进行深入评价,实现量化识别和精确度量。本文旨在新的金融技术环境下,构建评估融资企业信贷风险的新体系,提高商业银行风险意识,加强风险管理,支撑商业银行构建完善的风险管理体系。
Supply chain finance is one of the most important business models for commercial bank financing and lending, which is the link between core enterprises and SMEs and can meet the financing needs of SMEs. However, with the rapid development of financial technology and business enhancement, in the current financial environment, the traditional supply chain finance model is no longer adapted to today’s market environment, and commercial banks are facing increasingly complex credit risks. The emergence of digital supply chain finance can improve the authenticity and transparency of transaction data, and provide more intelligent, convenient and objective fund management information for commercial banks to assess the credit risk level of financing enterprises. This paper takes CITIC Bank as an example, in the digital supply chain finance environment, comprehensively considers multiple influencing factors, establishes a more comprehensive and integrated evaluation index system for financing enterprises, combines the factor analysis method and the 3σ law to determine the credit risk level of enterprises, and carries out an in-depth evaluation of CITIC Bank’s credit risk to realize quantitative identification and precision measurement. The purpose of this paper is to build a new system for evaluating the credit risk of financing enterprises under the new financial technology environment, to improve the risk awareness of commercial banks, to strengthen risk management, and to support the construction of a perfect risk management system for commercial banks.
出处
《电子商务评论》
2024年第2期1670-1680,共11页
E-Commerce Letters
