An important feature of coal supply chain financial business is that the trading assets of coal financing are mortgaged to different degrees, so coal becomes an important source of repayment. For example, under the mode of confirming warehouse or financing warehouse, if the enterprise is involved in financing default, the bank can take the goods in the warehouse as an important guarantee for repayment. However, due to the influence of other uncertain factors such as inventory liquidity, commodity storage quality, sales channels, customers and the stability of sales scale, the second repayment source of confirmed warehouse or financing warehouse business may not be well guaranteed as collateral.