Research on SME Credit Risk Control Platform Based on Supply Chain Finance

Abstract

At present, China's SMEs are facing serious credit problems. Financial institutions have adopted many credit risk control methods for SMEs, but these methods lack objective business data. As a new financing model, supply chain finance not only promotes the credit financing of SMEs, but also controls the credit risk of SMEs to a certain extent. Based on the business transaction data of core enterprises and small and medium-sized enterprises in supply chain finance, this paper builds a framework of SME credit risk platform system and controls the credit risk of the whole SME from the data source, which can effectively reduce credit risk and solve financing difficulties. Keywords—SME; credit risk control; supply chain finance