The Research On Internet Supply Chain Finance Model

In China,the primary problem of SME operation is to ease the difficulties of financing,and supply chain finance has provided an effective way of thinking.The supply chain finance model is based on the whole supply chain credit granting,binding the overall qualification of core enterprises to financing enterprises in the supply chain,and improving information disclosure and symmetry as far as possible.However,traditional supply chain finance indeed has financing problems,which cannot fully meet the requirements of financing enterprises.Supply chain finance with Internet technology is the combination of Internet finance and supply chain finance,which involves in more participants.Network platform,as the representative of the Internet financial loan,is also a kind of emerging in the main body,which combines with supply chain finance and forms net credit plus financial model of supply chain,in order to have complementary advantages of network platform loan capital and supply chain financial assets,both providing financial support for the supply chain enterprise and helping network platform for different development loan.At present,there are three ways for online loan platforms to participate in supply chain financial services in three ways:First,the self-built platform of listed companies;Second,the listed company and the network loan platform cooperation;Third,factoring companies involved in the network loan platform.Under the Internet technology,supply chain financial services are beneficial for invigorating each company's precipitation funds and increasing social vitality.This paper has taken the net loan platform of Zhongrui Wealth as the case study.This platform is the pioneer of financial services in the Internet supply chain.In 2015,the coal supply chain service provider Ruimaotong invested 20%of the shares,focusing on providing high-quality and real projects.By analyzing the process,business,products and features of Zhongrui Wealth platform,it can be seen that it is an effective complement to traditional financial institutions for banks in supply chain financing mode.Compared with banks,online lending platforms have high efficiency of examination and approval,high level of data analysis technology,and use the company's advantages to jointly grasp the integration of information flow,capital flow,business flow and logistics with core enterprises.With the continuous progress of big data,cloud computing and other technologies,the Internet has gradually stepped into the supply chain business at a deeper level.Meanwhile,as all participating parties have closer cooperation,providing data and professional services will be one of the development directions of supply chain finance in the future.