Supply Chain Financing Mode Analysis Of Big Data Background

With the changes in Production division mode, "Supply Chain" thought is widely accepted, more and more SMEs opt to supply chain system. By relying on the core Enterprise, the SMEs located in the chain not only achieve their own development, but also make a significant contribution to economic development and technological innovation. However, the financing situation of these SMEs do not match their contribution to social and economic development, the financing problem has not been resolved.This paper reviews the theoretical literature about supply chain, SME financing and big data, and then analyze the supply chain enterprises’(SMEs in the supply chain) existing financing model- the operating mechanism of supply chain financing to clarify the problem of supply chain financing, and then use the case study method, introduces 3golden, defines its business model as "3golden" unsecured loan and focus on their operational processes and core, and finally make a multi-angle analysis of "3golden" unsecured loan’s financing process, big data applications, effectiveness, advantages, win-win situation, and risk, in conclusion: "3golden" unsecured loan can effectively solve the credit loans of supply chain enterprise.Through case studies, we found that "3golden" unsecured loan solve the problem of information asymmetry and high cost of information creatively, it also provide a comprehensive credit program for supply chain enterprises, this mode of supply chain enterprise financing opens up a viable new way, and provide a reference for the large credit data used in more areas.