Research On Supply Chain Financial Model Of XX E-Commerce Website

As the most dynamic part of China’s economy,small and medium-sized enterprises play an important role in China’s economic development and social stability.For a long time,small and micro enterprises subject to the operation is not standardized,financial statements and credit information is not perfect,the lack of effective security measures,it is difficult to obtain loans through the bank,there is a common problem of financing.Supply chain finance according to the operation state and the level of credit operation of goods within the supply chain business process and supply chain of the core enterprise,not to emphasize the corporate credit industry,the scale and the value of fixed assets,the financial statements and the guarantee measures to help solve the financing problems of small and micro enterprises.Electronic business platform with the formation of large data accumulation of credit assessment mechanism can effectively solve the problem of asymmetric financing.Therefore,the XX business platform of supply chain finance model as a case,by qualitative and quantitative research methods,under the environment of Internet development and improvement of supply chain finance has great research value and practical significance.Study on the first mode of supply chain business XX business platform as a starting point,combined with the XX business platform of supply chain finance development to sort out the XX business platform of supply chain finance model,analysis of the characteristics of the model in the business system,customer groups,product type,operation process,risk control management,the source of funds.Then,from the perspective of information asymmetry,improve credit efficiency,reduce transaction costs and other aspects of the value of XX e-commerce platform supply chain financial model evaluation.Then the paper analyzes the defects of the model,which is the main body of the business is not suitable,the sources of funds are limited,the business scope and the object are single,the risk management mechanism is not perfect.Finally,the paper puts forward some suggestions on how to improve the model from the aspects of changing the main business,expanding the sources of funds,expanding the scope of business,improving the external credit and capital supervision,and opening up the financial services outsourcing business.According to the above research show that: first,transaction data,XX business platform through the Internet financial model of the supply chain integration platform accumulated credit information,analysis of the use of big data technology,the formation of online customer credit evaluation and risk management system,improve credit efficiency,reduce credit transaction costs,but also solve the financing information asymmetry,implementation the platform of financial business and e-commerce business and promote each other.Second,the core defect of XX business platform of supply chain finance is the lack of appropriate management,due to lack of funding,lack of customers at the same time over a single link and part of risk management has also restricted its development.Third,the primary task of improving the XX business platform of supply chain finance is to participate in the pilot of private banks,and broaden the sources of funding,strengthen the external credit and capital control,give full play to the supply chain information flow and logistics management advantages from supply chain development and breakthrough two point platform to develop new business lines.