Research On Supply Chain Financing Based On Zr Caifu Lending Platform

The concept of 'internet+' is raised with the internet exponential development,and the e-commerce platform,which has tightly banded the high-tech and economy,is guiding people moving forward to the new direction of economic growth.We can detect from the intense market competition that the small and medium-sized enterprises(SME)are the important force for China's sustained economic development,and also play vital roles in e-commerce industry.However,in the position of beginning,deficiencies of the SMEs inevitably exist in weak foundations,mangement experience shortages,profitability and limit risk resistance capacity,and lower the credit level.Thus,the difficulties of financing are unavoidable obstacles to the online business development and is the main constraint of SMEs expanding.The goverrnments,enterprises,and scholars are persistently working on the solution of SMEs financing issues.Under this economic background,the model of supply chain finance has attracted people,and turn into the focus of financing management practice.The supply chain finance is the model that links several related enterprises,and enable them to coordinate development and achieve performance.Even through the roles in the supply chain are stakeholders,there are significant gap between the core enterprises and the upstream and downstream ones.This kind of financing mode has changed the traditional financial institutions to the enterprise credit model,the use of the supply chain upstream and downstream enterprises to solve the problem information asymmetry between the interests of the debit and the credit and other issues.At this time,under the background of 'Internet+",as an effective way to alleviate the financing pressure of small and medium enterprises,the supply chain finance mode and the Internet are organically combined to form a new supply chain finance mode.This paper,respectively from the supply chain finance and net lending platform with the emergence background,analysis of the significance,summarizes the relevant research literature at home and abroad in recent years are summarized and analyzed,and the Internet online platform of the supply chain financing related theory,research on supply chain financing mode based on the net loan platform,and compared with the traditional mode of supply chain financing the.This paper analyzes the current situation of the development of the supply chain financing mode in China,at the same time;it expounds the drawbacks in the current situation and the way to optimize it.Finally,through the Swiss wealth net loan platform,it is to show the net loan platform and the mode of supply chain financing combination in practice,explore the existing mode of supply chain financing in the process of combining with the Internet online platform,and the problems in risk and corresponding countermeasures.