Supply Chain Financing Model And Effect Analysis Of Jingdong As The Core Enterprise

E-commerce supply chain financing led by core enterprises is a new financing mode.Due to the small fixed assets of small and medium-sized enterprises,the financial situation is not clear,often face financing difficulties.In recent years,the domestic many large electric business platform,such as jingdong,alibaba,suning,etc are carried out this kind of financing mode,it breaks through the traditional financing model of time and space constraints,simplify the approval process,improve the financing efficiency,reduces the financing risk and financing cost,make the form a complete set of upstream and downstream enterprises can quickly and efficiently to obtain financing.At present,domestic and foreign academic circles have studied the concept of supply chain financing model,financing process and other content,but it has not reached the degree of thorough.First,this paper reviewed and sorted out the domestic and foreign literatures related to supply chain financing model,clarified the research background and significance of this financing model,and expounded the relevant concepts of supply chain financing.Secondly,taking jingdong supply chain financing model as an example,this paper describes the background of jingdong supply chain financing,the two development stages of cooperation with Banks and self-operation,and the financing products corresponding to the two development stages.By comparing jingdong's supply chain financing model with alibaba,which is also an e-commerce enterprise,this paper analyzes the advantages and disadvantages of jingdong's supply chain financing model,including diversified credit granting subjects and lagged payment system.Again,effects on the jingdong supply chain financing model analysis,on the one hand is to the jingdong itself,the influence of the main is to improve the operating income,expanded our market share,etc.,on the other hand is influence on jingdong form a complete set of supply chain enterprise,main is to reduce the financing cost,improve the financing efficiency,etc.,at the same time,analysis the influence on the supply chain as a whole,main is to improve the cash flow efficiency,enhance the overall competitiveness of supply chain as a whole.Then,this paper summarizes the successful experience that jingdong supply chain financing model is worth learning,and puts forward optimization Suggestions for the disadvantages of this financingmodel,including strengthening the construction of its own platform,avoiding customer loss,improving the construction of payment system,and strengthening the authenticity inspection of merchants' trade.Finally,the research conclusion of this paper is drawn: jd's leading and diversified financing model provides valuable experience for other enterprises to carry out supply chain financing;Jingdong's supply chain financing model is more efficient,convenient and low-cost,which can effectively adjust the shortage of credit supply and demand of small and medium-sized enterprises and increase its own income.