Research On The Risk Assessment Of Supply Chain Finance Based On The B2B Platform

The emergence of supply chain finance has provided a new solution for SME financing.Especially under the development of Internet technology,supply chain finance based on e-commerce platforms emerged at the historic moment.On the surface,this novel supply chain finance is a better means of information control.It can achieve the purpose of reducing corporate financing risks by using e-commerce platforms to collect and monitor key information such as trade,logistics,warehousing,and fund payment.With this advantage,many e-commerce platforms have launched this business.However,many companies are faced with problems such as blocked development or poor profitability,and even a large number of company failures.Under the background,it is necessary to study the financial risks of the supply chain of the e-commerce platform to prevent their risks.This article is based on the comprehensive risk management framework of COSO to sort out related concepts and theories of supply chain finance from four points.At the first place,it identifies the existing problems by analyzing the current situation of the internal environment of the companies.At the second place,it identifies current systematic and non-systematic risks of the enterprises.At the third place,this article is written on the previous literature and combines the characteristics of the company named business treasure to construct its e-commerce supply chain financial risk assessment index system which includes four dimensions,such as macroeconomic and policy system risks,supply chain system risks,credit risk and operational risk,and comprehensively uses matrix analysis and expert evaluation method from the perspective of importance and seriousness to evaluate the risk of supply chain finance.Lastly,it proposes the corresponding solutions to systemic risk and non-systematic risk according to e-commerce assessment results and shortcomings of risk control of companies.And it also proposes that the risk of supply chain finance should be monitored intensively from both internal and external perspectives.