Some Discussions on Credit Risk of Supply Chain Finance in Commercial Banks

摘要

In the process of development of small and medium-sized enterprises,financing difficulty has been an important factor which restricts the development of small and medium-sized enterprises,and currently commercial banks hold a very cautious attitude for the financing demand of small and medium-sized enterprises.However,banks must seek new points of profit growth in a fiercely competitive environment.Therefore,in view of huge potential of credit market for the small and medium-sized enterprises,more and more commercial banks have introduced supply chain finance services to meet the demands for different types of financing from small and medium-sized enterprises.The pursuit of profits of commercial banks also means their bearing of business risk,and the risk is varied.This paper mainly discusses problems of credit risk in supply chain finance business met with commercial banks,discusses the classification for credit risk,and at the same time the paper introduces the principles of risk management,access of the subject and object of credit,and practical operations adopt by banks.