Research on SMEs’ Credit Risk Evaluation of Supply Chain Finance Based on the Third-party B2B Platform

Abstract

Under the impact of the Internet finance, big data and cloud computing, supply chain finance began to extend into e-commerce. The cooperation between the banks and the third-party B2B platform, making supply chain financing model based on third party B2B platforms came into being. But with the innovation of the financing mode, banks are facing new risks. The paper establishes the evaluation index system by analyzing the main risks of the participants in this financing mode and the mode of credit risk by using the entropy, AHP and fuzzy TOPSIS model of left and right score. Finally, the paper applies the mode to the concrete instance and carries out the credit risk ordering. The result shows the reasonable and feasibility of the evaluation model, providing a basis for the choice of credit targets for Banks and other financial institutions.