A Novel Risk Control Method of Supply Chain Finance for Commercial Banks with Big Data

Abstract

Commercial bank supply chain financial business is mainly divided into accounts receivable financing mode, inventory financing mode and advance financing mode. Traditional supply chain financial business of commercial banks in different modes will form different risks, including small and medium-sized enterprise credit risk, the core enterprise credit risk and credit risk of the third-party logistics warehousing company. Under the background of increasingly powerful financial science and technology, we can use more financial technology through big data multidimensional collecting enterprise information, establishing intelligent risk control process, establishing the core enterprise credit evaluation system, preventing the core and small and medium-sized enterprises collusion fraud, preventing the third-party logistics warehousing enterprise credit risk, and reducing the risk of commercial banks supply chain financial business.