The Analysis of Automotive Supply Chain Accounts Receivable Financing Risk and the Path Selection of Precaution
In recent years,new energy vehicles have become a new fashion in the au-tomotive industry,and the guarantee of supply and production of the automotive supply chain has become the focus of the industry.In the context of the digital transformation of supply chain finance,faced with the dilemma that the financing needs of upstream suppliers of the automobile industry chain cannot be met,com-mercial banks and other financial institutions continue to innovate accounts receiva-ble financing models,which play a certain role in solving the upstream financing plight of the automobile industry chain,but at the same time,it also brings many fi-nancing risks.For example,the enterprise credit risk under"weak confirmation",information asymmetry and credit evaluation risk,uncertainty risk of"future ac-counts receivable",data quality and data security risk,industry exogenous risk,im-proper financial supervision and so on.This paper proposes the following feasible ways to prevent the financing risks of automobile supply chain receivables and im-prove the toughness and safety level of automobile supply chain:Using the method of"inquiry+commitment"to assist in judging the credit of financing enterprises;improving the information disclosure and credit evaluation index system;using the reverse audit,external-confirmations and the dynamic systems approach to evaluate the certainty of future accounts receivable;enhancing safeguards for data quality and data security,strengthening the data regulation;comprehensively assessing the exogenous risks of the industry;further perfecting the financial supervision.
万方数据
维普
