| This article studies how to use e-commerce platform for the commercial banks to improve the efficiency of SME financing by studying JS Bank e-commerce platform from the perspective of the financial supply chain. It will provide a possible reference mode for the banking business in the Internet economy.Firstly, this article analyzes the operating characteristics of JS Bank e-commerce platform from the perspectives of the platform architecture, business development and finance, together with SWOT analysis of Ali financial which is on behalf of a third-party e-commerce platform for financial business. It also defines the strengths, weaknesses, opportunities and challenges of Bank-led e-commerce platform financing business. Next, this article focuses on financing efficiency analysis from four aspects:(1) Analysis of characteristics of the financing objects, pointing out that the main characteristics of the financing objects reflects the characteristics of the financing of SME;(2) Analysis of financing efficiency factor, pointing out that JS Bank can reduce risk costs and improve efficiency financing of SME from four aspects—risk identification, risk measurement, risk controlling, risk mitigation;(3) Comparative analysis of financing models, pointing out that JS Bank can improve the efficiency of SME financing by e-commerce platform from four aspects—increasing the cost of corporate default loans, establishing a network of credit system, establishing risk-sharing mechanism and achieving economies of scale, compared with traditional credit model.(4) Analysis of ways to enhance the efficiency of financing, in particular from the platform construction, financial products, risk control,management system, technology utilization, and professionals. A Financial supply chain for JS Bank will come into being by using e-commerce platform to enhance the efficiency financing. Finally, the article analyzes the composition and operation of the JS-banking financial supply chain from the perspective of the financial supply chain. It proposes specific and feasible financing model and analyze its characteristics. And it also defines the positive role of e-commerce platform in the financial supply chain.Research on how to use e-commerce platform of commercial banks to improve the efficiency of SME financing is conducive to promoting SME financing business to enhance competitive differentiation level of commercial banks. While it is beneficial to expand the market space of e-commerce platform, including logistics, platform operators, software developers. Eventually, e-commerce platform will make credit funds into the real economy effectively to serve the social development by improving the financial efficiency. |
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