In recent years, the research on supply chain finance has been mature, in the supply chain financial risk research, the research on credit risk is mostly. However, there is little research on online supply chain finance, especially on credit risk. Therefore, this article has carried on the detailed research to the commercial bank online supply chain financial credit risk assessment. Firstly, the article applies the literature induction method to review the supply chain financial credit risk indicators, add the “online” specific indicators to supplement, combine the indicators selection principle to determine the final indicators, and construct the commercial bank online supply chain financial credit risk assessment index system, select online The supply chain financial business carried out the concentrated SMEs in the automobile manufacturing industry as the research object, using the nonlinear LS-SVM model for empirical analysis, and compared with the logistic regression model results. Secondly, the designed index system can effectively evaluate credit risk. The classification accuracy of LS-SVM evaluation model is higher than that of Logistic regression model and it has strong generalization ability. It can comprehensively identify the credit risk of small and medium-sized financing enterprises, and provide a reasonable and scientific analysis and support tool for assessing SME credit risk. Finally, combined with the fierce competition background of supply chain finance, it is proposed that commercial banks should actively carry out online supply chain finance, comprehensive risk management and deepen cooperation with e-Business platforms and logistics platforms.

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电子商务平台企业信用风险评估的大数据分析

近年来，对供应链金融的研究已经成熟，在供应链金融风险研究中，信用风险的研究最为丰富。但是，关于在线供应链金融，尤其是信用风险的研究很少。因此，本文对商业银行在线供应链金融信用风险评估进行了详细的研究。首先，本文运用文献归纳法对供应链金融信用风险指标进行回顾，添加“在线”具体指标作为补充，结合指标选择原则确定最终指标，构建商业银行在线供应链金融信用指标。风险评估指标体系，在线选择供应链金融业务以汽车制造业中的中小企业为研究对象，采用非线性LS-SVM模型进行实证分析，并与logistic回归模型结果进行比较。其次，设计的指标体系可以有效地评估信用风险。LS-SVM评估模型的分类精度高于Logistic回归模型，具有很强的泛化能力。它可以全面识别中小企业融资信用风险，为评估中小企业信用风险提供合理，科学的分析和支持工具。最后，结合供应链金融的激烈竞争背景，提出商业银行应积极开展在线供应链金融，