Analysis and evaluation of credit risk in supply chain finance under the background of big data

In the field of supply chain finance, small and medium-sized enterprises generally have financing difficulties, which are often caused by the difficulty of financing institutions to clearly define their financial credit risks. This paper analyzes the source of credit risk of SMEs under the supply chain financing model, determines the evaluation index system, and establishes a credit risk evaluation model for SMEs through principal component analysis and Logistic regression. The accuracy of the model is tested, and it is determined that the credit risk of SMEs mainly comes from their own situation, and provides suggestions for banks and SMEs to improve the credit rating of SMEs.