Author(s)

Wenxia Ma

Corresponding Author

Wenxia Ma

Abstract

In recent years, the financing mode of supply chain finance has developed rapidly and has become an effective way to solve the financing difficulties of small and medium-sized enterprises. However, at present, a set of effective methods for credit risk evaluation of supply chain finance has not yet been formed. This paper studies the credit risk evaluation under the supply chain finance model, puts forward the credit risk evaluation system considering the main body rating and the debt rating, and establishes the credit risk evaluation model by using the principal component analysis method and Logistic regression method, so as to reduce the limitation that the current evaluation of the supply chain finance business mostly depends on expert evaluation. Regression analysis results show that the operation ability of financing enterprises, financing quality of enterprise and credit status, credit level of core enterprises, overall level of supply chain and asset quality under financing are the key influencing factors of credit risk.

Keywords

Supply Chain Finance, Credit Risk, Risk Assessment