| Fresh agricultural products online supply chain finance is a new financial approach.It uses e-commerce platform to link farmers,leading enterprises,financial institutions,and logistics enterprises.By means of information technology to achieve online transactions,online financing,online pledge,online management by Internet and combine information flow,capital flow and logistics.In China,the upstream suppliers of fresh agricultural products enterprises are composed of farmers,which are characterized by dispersion,instability and low scale;downstream retailers have low brand awareness and high price sensitivity;e-commerce platform,as a trading platform supported by Internet technology,has high technical requirements and low information sharing;for financial institutions,the online supply chain financial business of fresh agricultural products is also an emerging business,the operational errors of personnel and the poor supervision of risks will be bring a big loss.These characteristics mean that there are big risks in all aspects of agricultural product online supply chain finance.At present,most domestic and foreign scholars' research focuses on the financial risk field of leading enterprises' supply chain,and discusses the main affecting factors and how to control risks.However,there are few researches on supply chain financial risk of small and medium enterprises,especially as a production of decentralized fresh agricultural products.With the emergence of e-commerce platform,the research on online supply chain financial risk also needs to be solved.Based on the previous research results,for the online supply chain finance of fresh agricultural products,the risk has been studied as follows:(1)Based on the theory of information asymmetry,system theory and synergy theory,it is found that there is a linkage effect between the benefit and risk system in the online supply chain finance of fresh agricultural products.Through the financing of corporate risks,e-commerce platform risks,financial institution risks and other risks,the various interest systems have made a linkage change in the online supply chain financial risks of fresh agricultural products.(2)Through qualitative analysis of the interest and risk system in the online supply chain finance of fresh agricultural products,it is found that income and cost affect the change of interest system in the form of feedback loop,and there is also mutual influence relationship between interest system and risk system..(3)By constructing a quantitative linkage analysis model of online supply chain finance of fresh agricultural products,it is found that the risk of financing enterprises is the main factor that causes the linkage of financial risks in the supply chain of fresh agricultural products,and the e-commerce platform also plays a important role in the risk system.Therefore,according to the above risk linkage analysis results,financing companies should determine the appropriate input costs in the financing process.The e-commerce platform should carefully review the information of the financing company and assume the supervisory responsibility in the transaction process.Financial institutions should also carefully choose a cooperative e-commerce platform to determine the appropriate financing rate based on the risk prediction results,thereby effectively reducing the financial risk of online supply chain. |
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