Risk Management Of Online Receivables Financing Mode Based On B2B E-commerce Platform

The financing difficulty of minor enterprises has been a persistent problem in Chinese society.With the rapid development of information technology,with the encouragement of the supply side reform policy,supply chain finance has gradually stepped into the online era and finally produced the financing mode of online receivables financing mode based on the B2B e-commerce platform.With the increasing volume of the mode in practical operation,it is very important to summarize,evaluate and predict the risk of the operation mode,thus to help reducing the credit risk of commercial banks,and ensuring the smooth operation of supply chain.Firstly,the paper will study and summarize the relevant concepts and research achievements of traditional supply chain finance and online supply chain finance at home and abroad.Secondly,the risk characteristics of the online receivables financing mode are found through the comparison between the online receivables financing mode and the traditional receivables financing mode.The risk identification is conducted from the external to the internal.According to the analysis of the occurrence mechanism of the online receivables financing risk,the main risk points of the online supply chain finance are extracted.Then,an index system for risk assessment of online receivables financing was established.FEMA failure model was used to test the case,calculate the size of risk coefficient,and identify the key risk factors of online receivables financing.Finally,based on the results of risk assessment and case simulation,suggestions for risk management are put forward to help commercial banks reducing financial risks of online receivables finance and improving the financial risk handling capacity of participating enterprises.Through FEMA failure mode and effect analysis,we found that the credit risk of small and medium-sized enterprises?the credit risk of the core enterprise?the operation risk of B2B e-commerce platform are the key risk points of online receivables financing mode based on B2B e-commerce platform.Commercial Banks should focus on the strength of the small and medium-sized enterprises and the core enterprise,strengthen the informatization construction of online B2B e-commerce platform when choosing cooperation with B2B e-commerce platform,thus to reducing the risk of online receivable financing mode?...