A Risk Control Technology towards Supply Chain Finance in Banking Industry

摘要

Supply Chain Finance (SCF) as a new banking business in recent years has been a rapid development. The core of business risk control is the "credit binding" between the core enterprise and small and medium enterprises (SMEs) in the supply chain. The new risk control technology allows the business to cover all enterprises in the supply chain. In this paper, the supply chain is regarded as a complex network. We put forward the concept of "business flow", and consider the "overall crediting" problem of supply chain from the perspective of network topology, and use a risk control technology to monitor the Loan-to-Value Ratio of crediting business in banks. The study found that the enterprise which connected more closely with core enterprises can obtain higher Lines of Credit and the Loan-to-Value Ratio, and the higher vulnerability node is the focus of business risk monitoring, which built theoretical foundation for the design of risk control technology of the overall crediting business in banks.