Research Of E-commerce Supply Chain Financing Model

During the 2018 NPC and CPPCC sessions,the issue of "difficult financing,expensive financing and slow financing" of small and micro enterprises has become a hot topic for discussion.However,due to the high cost of bank credit,the narrow financing channels of enterprises have made it difficult for SMEs to raise funds.The emergence of supply chain finance can help alleviate the financing difficulties of SMEs.With the continuous advancement of Internet technology,traditional supply chain financing has a single business model and incomplete credit evaluation system.The addition of e-commerce platform simplifies the supply chain financing process,reduces financing time and cost,and opens up online and offline credit information.In this background,ecommerce supply chain financing has developed rapidly.Firstly,this paper introduces the background of e-commerce supply chain finance,analyzes the environment of e-commerce supply chain financing,including the supply chain finance industry and the current situation of e-commerce supply chain financing,and explains the characteristics of e-commerce and traditional supply chain finance.This paper also summarizes and designs a closed-loop e-commerce supply chain financing model.The credit information system should be built in the early stage,the financing process should be built comprehensivel y in the middle stage,and the risk control should be emphasized in the later stage.After applying on Ant Financial Services,the operation effect of the model is analyzed based on the balance card theory.There are still some shortcomings in the applicat ion of the Ant Financial Supply Chain Financing Model: the development of the industrial chain is uneven,subject to tax policy restrictions,and the operation of MYbank is limited.Finally,it is suggested that e-commerce enterprises should pay attention to promoting the balanced development of supply chain,improving service innovation,and constantly improving data technology to improve the anti-risk ability of e-commerce platform,so as to promote the development of e-commerce supply chain financing in a better direction.