Abstract
Supply chain finance (SCF) as a new banking business has gained rapid development in recent years. The core of risk control of the business is the “credit binding” between the core enterprises and the small and medium enterprises (SME) in the supply chain. The paper can carry out the “overall credit” for the enterprises in the supply chain based on the “credit bindin”. In this paper, firstly, the author puts forward the concept of “business flow”. Secondly, the supply chain of supply chain finance is regarded as a complex network; the author considers the “overall credit” of the supply chain from the angle of a complex network. Finally, the author establishes the complex network model and optimizes the loan-to-value ratios of bank’s credit business. The study finds that the enterprises having a closer relationship with core enterprises can obtain a higher credit line and bigger loan-to-value ratios. The study can provide a theoretical foundation for the design of financing portfolio project of the bank’s “overall credit” business.
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Zhong, S., Song, J., Zhao, Y. (2019). Research on the Credit Business of Banking Supply Chain Based on Complex Network. In: Xu, J., Cooke, F., Gen, M., Ahmed, S. (eds) Proceedings of the Twelfth International Conference on Management Science and Engineering Management. ICMSEM 2018. Lecture Notes on Multidisciplinary Industrial Engineering. Springer, Cham. https://doi.org/10.1007/978-3-319-93351-1_117
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DOI: https://doi.org/10.1007/978-3-319-93351-1_117
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