Research On Supply Chain Financing Risk Under E-commerce Platform

SMEs have an irreplaceable role in creating jobs and promoting economic growth.However,the problem of “financing difficulties and financing expensive” that has plagued the continued healthy development of SMEs has not been well resolved.The rise of online supply chain finance in recent years has promoted the exchange of upstream and downstream capital flows in the supply chain.It has also accelerated the renewal of business flows,information flows,and logistics.It has opened up a new financing path for SMEs,but this new road is needed.Unimpeded,financial institutions still lack a set of risk measurement tools for evaluating SME financing risks.This article focuses on the issue of financing risks for SMEs in online supply chains.First,we reviewed domestic and foreign literature on supply chain finance and risk measurement tools,and summarized the advantages and disadvantages of the main financing models and online and offline models included in traditional offline supply chain finance and new online supply chain finance,and analyzed inventory financing and prepayments.There are seven modes of operation such as account-type financing and accounts receivable financing,as well as existing risks.Further discussion is made on the risk factors in the online supply chain.Exogenous factors are environmental factors.Endogenous factors include operational risks and laws.Risk,credit risk and e-commerce platform risk.Based on the classification and identification of the credit risk of online supply chain finance,this paper establishes a supply chain financial credit risk assessment system under the e-commerce platform with the criteria of “subject + debt”,and calculates the weight of the control layer and the network layer separately.The SuperRips software is used to establish a supermatrix for the network layer elements of the credit risk system,calculate the limit hypermatrix,and obtain the global weights.The sorting results are analyzed based on the weights calculated by the SuperDecision software.The following conclusions are drawn: The industry environment is still small and medium The development of enterprises plays a decisive role,and banks are also transforming their own evaluation mechanisms,ranging from overemphasis on "subjects" to "subjects" and "debt items";the degree of emphasis on e-commerce platforms is not high enough,leading to e-commerce platforms.The low weight of qualifications is a place worth paying attention to in the future.Finally,through the example analysis of SMEs in the "electronic industry" supply chain,the credibility ofthe conclusions is verified.