Research On Online Supply Chain Finance Model Based On E-Commerce Platform

Smes are an important part of China's economy.The healthy development of China's economy depends on the steady operation of smes.However,the problem of financing difficulty of small and medium-sized enterprises is becoming increasingly prominent day by day,and the problem of capital shortage has gradually affected their normal production and operation.In addition to giving certain tax breaks to these enterprises in terms of policies,increasing loan strength,reducing loan fees and other means,the state also needs to resort to fintech.At this time,supply chain finance emerges at the right moment.Supply chain finance can effectively alleviate the financing difficulties of small and medium-sized enterprises,so that small and medium-sized enterprises get rid of the plight of relying on a single bank credit,has become an effective means of financing for small and medium-sized enterprises.At the same time,the emergence of supply chain finance also enables the upstream and downstream enterprises to maintain closer contact and cooperation,which is conducive to long-term and stable development.This paper mainly studies the online supply chain finance model from the perspective of ecommerce platform.Firstly,it introduces the background and significance of the emergence of online supply chain finance.Secondly,it classifies and sorts the related literature research accompanying the sustainable development of supply chain finance.At the same time,it introduces the related concepts involved and elaborates the different models of online supply chain finance.Article mainly jingdong supply chain finance as an example,firstly introduces the background of the company,the second development in jingdong supply chain financial time sequence,jingdong was introduced in detail in different times different financial products online in the supply chain,including: fact cooperation stage order of financing mode,accounts receivable financing mode,etc.,as well as the platform of proprietary phase of "jing bao bei","jing small loans",chattel financing,etc.In addition,the risk control content,big data basis and risk control mechanism of jd supply chain finance are elaborated,and the characteristics of jd supply chain finance risk management are analyzed.Then,through comparative analysis,the supply chain finance modes of jingdong supply chain finance,ping an bank supply chain finance and treasure island supply chain finance are compared in terms of data sources,credit sources,participants,credit methods and financing services.The conclusion is that jd supply chain finance has advantages in credit extension subject,financing cost,in-depth evaluation of user credit level,and disadvantages in financing amount,state support and capital.According to the case analysis and comparison results,this paper puts forward policy Suggestions for the development of supply chain finance for e-commerce platforms from the two aspects of e-commerce platforms represented by jd and the government.Namely,ecommerce platforms represented by jd should strengthen risk prevention,attach importance to talent training,establish incentive mechanism and strengthen cooperation with suppliers.The government should strengthen the support for e-commerce supply chain finance,accelerate the construction of credit investigation system and implement strict access standards.