YE Caiteng
Entering the second half of digital economy, the development of supply chain finance business presents new problems such as the increase of participants, the more complex network relationship structure and risk alienation. The measurement index of SME credit risk level from the traditional perspective of supply chain finance has been unable to meet the needs of its practical development. Based on this, on the basis of comprehensive analysis of existing research results, this paper puts forward the dichotomy logic of focusing on the situation of SMEs themselves and the overall operation of the supply chain from the perspective of the whole supply chain, and establishes the underlying logic for measuring the credit risk level of SMEs in the general supply chain finance business. It also points out that the credit risk level of small and medium-sized enterprises can be reduced by specific measures such as pre-prevention and in-process control. The research conclusions can provide technical support for identifying high-quality small and medium-sized enterprises in supply chain finance and support for the sustainable and healthy development of supply chain finance business.
supply chain finance; credit risk; credit risk evaluation; risk management