Analysis Of Ali's Small Loan Business Model From The Perspective Of Supply Chain Finance

In recent years,with the continuous development of e-commerce,more and more small and micro enterprises begin to involve in the field of e-commerce.However,for a long time,because of their small scale and no collateral,it is generally difficult for them to make production operations from bank loans.At the same time,there is a high financing cost phenomenon.Due to the rapid development of electronic commerce,the financing demand of small and micro enterprises is increasingly strong,relying on the maturity of Internet technology,e-commerce supply chain finance emerged as the times require.This new supply chain financial model not only solves the financing problem of small and micro enterprises to a certain extent,but also greatly reduces the credit risk of banks and activates the whole supply chain.Produce chain,also bring new profit growth point for ecommerce platform.As the first of many e-commerce enterprises to carry out supply chain financial business,Ali small loan is also one of the more successful e-commerce enterprises in the current e-commerce supply chain finance.Therefore,this paper starts with the background and significance of e-commerce supply chain finance from the point of view of Ali small loan,and makes a systematic analysis and summary of the related literature in recent years.Secondly,on the basis of introducing the growth course,loan mode,operation process and risk management system of Ali small loan,the paper compares it with SuNing supply chain finance business model and JingDong supply chain finance business model.More in-depth analysis of Ali small loans The characteristics of supply chain finance business model.According to the analysis results,the advantages and disadvantages of the supply chain financial business are summarized.The advantages of Ali small loan in developing supply chain financial business are: strong customer base,low loan cost,high loan efficiency,more perfect customer credit rating system,and promote the further development of e-commerce business and platform financial business;The disadvantages of the small loan in the supply chain are that the credit subject is single,the source of loan funds is limited,the operating risk of the platform is high,the position is vague,and the financial and tax benefits can not be enjoyed.Finally,according to the previous analysis of the financial business model of Ali small loan supply chain,in view of these shortcomings,I They put forward targeted suggestions.First,from the perspective of loan funds,they mainly include: strengthening business innovation,strengthening cooperation with financial institutions such as banks;secondly,starting from platform risks,mainly including: improving external credit investigation mechanisms.Strengthen the resource integration of e-commerce,bank and logistics,improve the technical level of e-commerce platform;finally,build a standardized legal environment.