Research On Online Supply Chain Financial Model Based On E-commerce Platform

As an innovative financial product,electronic supply chain finance is one of the effective ways to solve the financing problem of small and medium-sized enterprises,its birth and development fitting of the internal demand the market.The electronic commerce enterprises to carry out electronic supply chain financial market is richly endowed by nature,the platform connected with a large number of enterprise users and consumer users,making the supply chain participants to share data and strategy.It is through the establishment of a more scientific credit evaluation system to reduce the credit risk,so as to improve the overall efficiency of the whole supply chain,reducing the transaction cost of the whole industry.This paper aims at analyzing the mode of e-commerce enterprises to develop electronic supply chain finance business,advantages,problems and development suggestions,for the field of supply chain finance theory research and e-commerce enterprises in the practice of supply chain finance development to promote.Electronic supply chain finance has been a hot research field,but from the perspective of electronic business electronic supply chain finance research is still in its initial stage,the content of the research scattered,did not forming a system,theory research and practice field out of touch.This paper sorts out the research status of the domestic and foreign electronic supply chain,and discusses the financial operation mechanism of the electronic commerce.It also analyzes the development path of the online business,and in accordance with the development path of different electronic supply chain finance is divided into commercial bank and electronic supply chain finance,electronic commerce electronic supply chain finance and based on electronic commerce bank electronic supply chain finance.Then,this paper uses comparative analysis method and focus on the study of two patterns,finishing the breakdown product of the similarities and differences between them,screening focuses on products,in-depth study of the business processes and product risk,exploring the benefits of all participants.This paper combine theory with practice,“JD” as a case study,focus on the two innovative products—— "Baitiao" and " Jing baobei".The author analyses the business process and compares the business details of the e-commerce supply chain finance and the traditional model.This paper uses the financing risk,financing efficiency,financing rates of the three dimensions of analysis of advantages,combined with the platform of possible problems,putting forward some thoughts for the development of electronic group Jingdong financial services supply chain.In this paper,the following conclusions are drawn from the research of theory and practice: compared with the traditional mode of electronic commerce,electronic financial supply created new risks,including change the credit ideas,increased credit risk,the rapid development of emerging industries,lack of talent reserves,lack of relevant legislation,the legal dispute is difficult to define,platform funding shortage led to the slow development of business;enterprises engaged in e-commerce electronic supply chain finance has strong advantage can effectively reduce the threshold of financing of medium and small enterprises,to improve the operational efficiency of platform,through the establishment of credit risk evaluation index system,effectively reduce credit risk,to reduce the financing cost of enterprises,and promote the healthy development of the whole industry.This paper also put forward the following suggestions: the importance of construction of talents,improve their operation ability;improve the credit risk evaluation system,and reduce the credit risk of the platform;increase the platform of its own funds,accelerate business growth platform;improve the relevant legislation,to increase the electricity supplier financing supervision;strengthen product innovation,alleviate the competition pressure.