金融科技助推供应链金融风险控制研究

传统信贷业务中,商业银行通常将风险评估重点放在企业的评级和财务状况上。在供应链金融业务中,授信因交易而存在,资金流、信息流、物流是评判业务可行性的基础。供应链金融最大的风险点在于不完整信息下的信用风险和不对称信息下的道德风险。防范化解供应链金融风险,除了运用常规风险管理手段,更要积极引用大数据、物联网、区块链、人工智能等金融科技手段来提升供应链金融的风险管理能力。本文通过分析供应链金融面临的风险,以基于B2B平台的供应链金融模式为例,运用Logistic回归方法构建中小企业信用评估模型,对供应链金融风控体系建设进行实证研究,并围绕金融科技提升商业银行供应链金融风控能力提出建议。

Fintech Facilitates Supply Chain Financial Risk Control

In the traditional credit business,commercial banks usually focus on the rating and financial status of enterprises.In the supply chain finance business,credit exists because of transactions.Capital flow,information flow and logistics are the basis for judging the feasibility of business.The biggest risk of supply chain finance lies in the credit risk under incomplete information and moral risk under asymmetric information.In order to prevent and defuse supply chain financial risks,we should not only use general risk management means,but also actively use big data,Internet of things,block chain,artificial intelligence and other financial technology means to improve the risk management ability of supply chain finance.In this paper,by analyzing the financial risk of supply chain,supply chain financial model based on B2B platform as an example,using Logistic regression method to build small and medium sized enterprise credit evaluation model,the empirical study on construction supply chain system of financial risk control,and surrounding financial promote supply chain of commercial bank financial risk control ability of science and technology are proposed.