企业数字化赋能下商业银行供应链融资信用风险研究——基于S企业视角

A Study on Credit Risk in Supply Chain Financing of Commercial Banks under the Empowerment of Enterprise Digitalization—From the Perspective of Enterprise S

摘要: 本文基于核心企业视角，围绕商业银行、核心企业与链属企业三方信用关系，分析数字化条件下供应链融资信用风险的形成与传导机制，构建涵盖外部环境、供应链协同运营和企业自身实力的多层级信用风险评价指标体系，并运用层次分析法确定指标权重，建立定量与定性相结合的评分评级规则。以S企业供应链2020~2024年数据为案例进行测算。研究发现：企业数字化水平与供应链协同能力提升，有助于增强交易真实性验证、回款稳定性和风险预警能力，从而降低供应链融资信用风险；而外部冲击与经营波动则会通过物流履约、信息传递效率和流动性状况放大风险。本文研究可为商业银行在数字化背景下优化供应链融资授信准入、风险预警与动态管理提供参考。

Abstract: From the perspective of the core enterprise, this paper analyzes the formation and transmission mechanism of credit risk in supply chain financing under digitalization, focusing on the credit relationship among commercial banks, the core enterprise, and affiliated enterprises. It constructs a multi-level credit risk evaluation index system covering the external environment, supply chain collaborative operation, and the enterprise’s own strength, and uses the analytic hierarchy process (AHP) to determine the index weights, establishing a scoring and rating rule that combines quantitative and qualitative methods. The data of Enterprise S’s supply chain from 2020 to 2024 is used as a case study for calculation. Research has found that improved enterprise digitalization and supply chain collaboration capabilities enhance transaction authenticity verification, payment stability, and risk warning capabilities, thereby reducing credit risk in supply chain financing. Conversely, external shocks and operational fluctuations amplify risks through logistical fulfillment, information transmission efficiency, and liquidity conditions. This study can provide a reference for commercial banks to optimize supply chain financing credit access, risk warning, and dynamic management in a digital context.