Unsecured Loan Research Under The Background Of Big Data And Supply Chain Financing

With the introduction of supply chain management, more and more SMEs join the supply chain system. By relying on the core enterprise, SMEs not only achieve its own development, but also make a significant contribution in terms of economic development and technological innovation. However, SMEs always suffer financing difficult.The paper defines SMEs in the supply chain as SCEs (supply chain enterprises), and then reveals that information asymmetry and high cost is the key to solve the credit loans’ problem of SCEs by theoretical research method. And then illustrates the reason why supply chain financing model is not widely used by analyzing its operation mechanism. And points out the innovation of supply chain financing. And then indicates how to make use of big data technology solve SCEs credit loans’ problem. The paper introduces3golden and defines its business model as "3golden" unsecured loan. And then the paper discusses the practical applicability of "3golden" unsecured loan by taking a specific business for example.Finally, the paper draws the conclusion that "3golden" unsecured loan is the best way to solve the difficult of SCEs by deep analysis.