Research on lending decision and optimization of supply chain finance for commercial banks based on financial constraint

2017 ◽  
Author(s):  
Tian Kun ◽  
Zhuang Xintian ◽  
Huang He
Keyword(s):  
Supply Chain ◽  
Commercial Banks ◽  
Financial Constraint ◽  
Supply Chain Finance ◽  
Lending Decision

scholarly journals Analysis of Signal Game for Supply Chain Finance (SCF) of MSEs and Banks Based on Incomplete Information Model

2019 ◽  
Vol 2019 ◽  
pp. 1-6 ◽  
Author(s):  
Zhang Tao ◽  
Xin Li ◽  
Xinquan Liu ◽  
Nana Feng
Keyword(s):  
Supply Chain ◽  
Incomplete Information ◽  
Commercial Banks ◽  
Information Model ◽  
Business Environment ◽  
Small Enterprises ◽  
Model Based ◽  
Supply Chain Finance

The signal gaming model based on incomplete information is used to analyze the decisions of commercial banks and medium-sized and small enterprises (SMEs) in supply chain finance business. It is found that the returns of banks are closely relied on the probability of good SMEs join which is proportional to θ (the probability of “good” SMEs in the market) and p (the probability of “good” SMEs chosen to join the supply chain finance) in supply chain finance business, and the default cost is an important constrain for determining the strategies adopted by the SMEs and the banks. To achieve higher returns, SMEs and banks should make effects to create a better supply chain finance business environment to achieve the separation equilibrium.

Study on Information Asymmetry and the Risks Initiated by it in the Supply Chain Finance

2014 ◽  
Vol 496-500 ◽  
pp. 2827-2831
Author(s):  
Guo Fang Qiu ◽  
Yun Zhang ◽  
Chong Wang
Keyword(s):  
Supply Chain ◽  
Information Asymmetry ◽  
Commercial Banks ◽  
Financial Risk ◽  
Principal Agent ◽  
Main Body ◽  
Information Risk ◽  
Supply Chain Finance ◽  
Multi Agent ◽  
Principal Agent Relationship

From the perspective of commercial banks, put the financial supply chain in the principal-agent relationship which is multi-agent and of multiple sections. This paper analyzed the principal-agent relationship between different subjects and commercial banks and information asymmetry. Secondly it also analyzes the information risk of supply chain finance caused by asymmetric information from in three aspects as risk types, risk behavior and risk loss. Finally it gives the Suggestions and countermeasures aimed to financial risk in supply chain information. It provides reference to main body understanding and the information risk of supply chain finance.

scholarly journals Research on the Innovative Development of Financing Model of Pledge of Title to Goods under Commercial Banks’ Supply Chain Finance

2020 ◽  
Vol 6 (2) ◽  
pp. p25
Author(s):  
Jun Chen ◽  
Keer Xue ◽  
Kefan Zhang ◽  
Xinyi Wang
Keyword(s):  
Sustainable Development ◽  
Supply Chain ◽  
Future Development ◽  
National Economy ◽  
Commercial Banks ◽  
Innovative Development ◽  
Macroeconomic Factors ◽  
Supply Chain Finance ◽  
Financing Model

As an important part of China’s commercial Banks’ supply chain finance, pledge of goods and rights financing is an important channel for financing small and medium-sized enterprises after years of development and improvement, providing an important force for the stable and sustainable development of the national economy. Due to macroeconomic factors and the independence of each participant, the business reflects certain risks in the practice process. Starting from the analysis of business content, this paper conducts in-depth research on the problems exposed by different subjects and puts forward Suggestions for future development.

scholarly journals Analysis of the Current Situation of Supply Chain Finance and Risk Control—Based on the Perspective of Commercial Banks

2021 ◽  
Vol 9 (4) ◽  
pp. 191
Author(s):  
Danting Zheng
Keyword(s):  
Supply Chain ◽  
Commercial Banks ◽  
Mortgage Lending ◽  
Present Moment ◽  
Policy System ◽  
Supply Chain Finance ◽  
Financing Risk ◽  
New Business ◽  
Banking Business ◽  
And Control

<p>China’s economic policy system has been greatly adjusted up till the present moment. The scale of small and medium-sized enterprises mortgage lending is limited, but the demand for funds is increasing, and the need for core enterprises to grow and develop is increasing, supply chain finance effectively solved the needs of the above enterprises. Supply chain finance promotes the development of trade and commerce business, reduces financing risk, become a new business of commercial banks. Compared to traditional banking business, it reduces certain credit risk and improves the utility of funds, but China’s supply chain financial system is not perfect enough, with a certain degree of system operation risk. Focus on the analysis of supply chain finance status quo, analyze China’s supply chain development status and prospects, assess and analyze the risk, and do a good job of risk prevention and control. As an important part of the supply chain, commercial banks are necessary to pay attention to various risk points to the supply chain of the financing subject. Avoiding and reducing the risk of supply chain finance business are the top priority issues required to be solved for commercial banks.</p>

Is Supply Chain Finance the Solution to the Financing Conundrum?

2019 ◽  
pp. 30-61 ◽  
Author(s):  
Baozhuang Niu ◽  
Zihao Mu ◽  
Youchu Zeng
Keyword(s):  
Economic Growth ◽  
Supply Chain ◽  
Commercial Banks ◽  
Driving Forces ◽  
The State ◽  
State Council ◽  
Service Channel ◽  
Supply Chain Finance ◽  
Operation Process ◽  
Scale Of Operation

Small and medium-sized enterprises are the major driving forces to boost China's economic growth. However, the transformation and upgrading of small and medium-sized enterprises are always subject to the scale of operation and other factors, which result in severe impediment to obtain loans or other finance service from traditional commercial banks. As the State Council reports, small and medium-sized enterprises' finance troubles were highlighted at the State Council's executive meeting and suggested China should enrich the fundraising channels for small and medium-sized enterprises. Based on the unique finance service features, supply chain finance has the potential of satisfying the large finance demand to become an effective fundraising and other finance service channel for small and medium-sized enterprises. Thus, it is vital to explore the operation process of supply chain finance in a deeper level.

Comprehensive Evaluation of Credit Risk of Supply Chain Finance among SMEs: Based on FCE

2011 ◽  
Vol 58-60 ◽  
pp. 668-673 ◽  
Author(s):  
Juan He ◽  
Li Wei Kang ◽  
Zhong Hua Ma
Keyword(s):  
Risk Factors ◽  
Decision Making ◽  
Supply Chain ◽  
Credit Risk ◽  
Commercial Banks ◽  
Comprehensive Evaluation ◽  
Supply Chain Finance

Given the ambiguity, complexity and subjectivity of credit risk among SMEs, this paper is going to adopt FCE method to have a comprehensive evaluation of their credit risk, And it also will quantize and evaluation various risk factors to offer a qualitative reference to decision-making in optimization of commercial banks as well as management and subscription of SMEs.

Anti-Fraud in International Supply Chain Finance: Focusing on Moneual Case

2020 ◽  
Vol 24 (1) ◽  
pp. 59-81 ◽  
Author(s):  
Ki-Moon Han ◽  
Sae-Woon Park ◽  
Sunhae Lee
Keyword(s):  
Supply Chain ◽  
Supply Chain Finance
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