The Impact Mechanism of Ai-Driven Supply Chain Creditworthiness Assessment on Commercial Banks' Credit Policies for Smes

Wu Feng

Artificial intelligence -- Financial applications

Business logistics -- Finance หรือ Supply chain finance

Credit analysis

This study explores how Artificial Intelligence (AI)-driven creditworthiness assessments within supply chains can reshape commercial banks' credit policies toward small and medium-sized enterprises (SMEs), aiming to address persistent SME financing challenges through technological innovation. Grounded in information asymmetry theory, relationship lending theory, group lending theory, and supply chain finance theory, the study tests five core hypotheses using structural equation modelling (SEM) based on survey data from 360 commercial banking professionals in China.
The results reveal that both SME credit status and core firm influence exert significant positive direct effects on bank credit policy (β = 0.285, β = 0.317, p < 0.001). Furthermore, AI-enhanced bank cognition plays a key partial mediating role in these relationships, with significant indirect effects (β = 0.167, β = 0.193, p < 0.001). Notably, AI assessment accuracy demonstrates a significant positive moderating effect, with high-precision AI systems amplifying the influence on policy outcomes (β = 0.124, β = 0.138, p < 0.001). These findings suggest that AI fundamentally transforms SME credit assessment by improving risk evaluation precision, leveraging supply chain relational value, and enhancing banks' cognitive capabilities. The moderating role of AI system accuracy highlights the importance of technological maturity in optimizing AI's benefits.
This study provides robust empirical evidence that AI-enabled supply chain finance presents a viable pathway to easing global SME financing constraints while upholding sound risk management practices.

Keywords: Artificial Intelligence, supply chain finance, SME financing, credit policy, structural equation modelling, mediating effect, moderating effect

Bansomdejchaopraya Rajabhat University. Office of Academic Resources and Information Technology

Nusanee Meekaewkunchorn

Chaiyawit Muangmee

Tatchapong Sattabut

2025

2026-09-23

2026-09-23

2026-09-23

thesis

application/pdf

eng

Bansomdejchaopraya Rajabhat University

Degree of Doctor of Philosophy

Doctoral degree

Business Administration Program (International Program)

Bansomdejchaopraya Rajabhat University