Research On The Pattern Of "E-commerce Platform + Rural Logistics Finance" And Risk Assessment System

As the first industry of national economic development,agriculture is the most important and basic material production department.Farmers are the main labor force,the cost of producing income is greatly increased with the rapid development of rural economy in China.According to the sixth national census,the number of rural residents in China is 576.61 million,accounting for 43.48% of the total population.But when the farmers borrow and finance to seek the original production capital,the success rate is less than a half.Among them,the financing and borrowing from banks,credit unions and other financial institutions account for 32.79%.Thus,difficult financing for farmers is still a major problem hindering the improvement of the living standards of farmers and the development of rural economy.With the rise of the financial industry and the logistics industry,logistics finance is a new financial model,and its business process and operation system has gradually became mature in China.However,because of the geographical location,users,the pledge and other special reasons,the research is mostly focus on theoretical analysis.And financial institutions have less basis for the risk assessment of users in rural logistics finance.Based on this,this paper analyzes the risk factors in rural logistics finance to solve the problem of financing difficulty of farmers in financial institutions and the lack of risk assessment basis through literature research,questionnaire survey,qualitative and quantitative analysis and empirical research method.The main research contents are as follows:First of all,the paper reviews the relevant literatures on rural logistics finance,e-commerce and risk assessment methods,and then establishes the research ideas and basic framework of the research.Secondly,the research screens and summarizes the risk factors of e-commerce platform + rural logistics finance through the factor analysis,and then tests the reliability and validity of the data to ensure the scientific nature of the analysis.On the basis of the conclusion of literature review and factor analysis,the author establishes a risk assessment index system of hierarchy with 28 indicators,calculates index weight and completes construction of index system based on the analytic hierarchy process(AHP).Finally,by choosing 4 groups of e-commerce platform + household as research examples,the above risk assessment system is verified and analyzed.Finally,this paper establishes the risk assessment index system under the mode of "e-commerce platform + rural logistics finance".It gives full consideration to three factors of bank,credit cooperatives,farmers and e-ecommerce platform in rural logistics finance,and combines all the risk factors considered in the entire operation process.It enrich the theoretical research of rural logistics finance about risk assessment,meanwhile,provides some guidance and advice for farmers,e-commerce platforms,banks and credit unions in the rural logistics financial loan and has practical and practical significance for all three parties.