Research On Financial Risk Management Of Coal Supply Chain Based On E-commerce Platform

Compared with the traditional financing mode,supply chain finance is a more efficient and convenient financing method,which can provide targeted financing services for financing enterprises and help them get rid of financing difficulties.In recent years,cloud computing,Internet,big data and other technical means have become more and more popular,and the advantages of e-commerce platform have become increasingly prominent.From ordinary retail to supply chain finance,e-commerce platform has further expanded its business areas and data mining capabilities.At the same time,the e-commerce platform has also vigorously developed the integration development model with China's important coal energy industry,providing flexible financing channels for small and medium-sized enterprises lacking funds.Many traditional coal enterprises have established large-scale coal e-commerce platforms based on their own data information flow and related technologies,which can take advantage of their logistics and data collection advantages,broaden sales channels,overcome the shortcomings of wide distribution,dispersion and high transportation cost of coal,improve the efficiency of coal realization,and promote the normal circulation of capital flow and cooperation among enterprises in the supply chain.At the same time,the coal e-commerce platform itself can also obtain rich profits from business development.However,for the coal e-commerce platform,when developing supply chain finance business,there are many supply chain subjects involved,and any party in the supply chain defaults,which may cause the platform to fail to collect the loan funds,thus causing the platform's own capital flow to break or even go bankrupt.Moreover,the e-commerce supply chain financial business itself needs to be processed online,and the complexity of data and information,online transactions and operating environment are all potential risk factors that affect whether the e-commerce platform can conduct business.If the platform fails to manage the risks of the supply chain financial business well,it is very likely to cause huge losses and operational failures of the platform.Therefore,in order to achieve healthy and sustainable development,enterprises that carry out e-commerce supply chain finance business must pay attention to the management of supply chain financial risks.This thesis takes Yimei Net as the research object,firstly analyzes the present situation of its supply chain financial risk management,and finds out the problems of Yimei Net in this respect.Through analysis,it can be found that the problem orientation of the supply chain financial risk management of Yimei Net mainly presents as follows: incomplete identification of risk source points,imperfect risk assessment system and assessment method,lack of holistic thinking in risk assessment,and the risk control strategy is not accurate and effective.According to the orientation of financial risk management in the supply chain of Yimei Coal Network,according to the traditional risk management steps,the methods of risk identification,risk evaluation system establishment and evaluation are improved in turn,and the risks are re-evaluated accurately,so as to make effective risk control countermeasures and control the risks at the lowest level.Through this research,other e-commerce platforms that carry out supply chain finance business can learn from the experience of supply chain financial risk management.The first part of this thesis summarizes the research results of scholars at home and abroad,digs out new research angles,and lists the contents and ideas related to the new research angles.The second part paves the way for the knowledge of coal supply chain finance and supply chain finance based on e-commerce platform.At the same time,it grasps the core issues of this thesis,introduces the risk management theory and risk management process,and provides theoretical guidance for the risk management part of later case enterprises.The third part firstly introduces the E-commerce platform of Yimei.Secondly,it describes the product types and characteristics of Yimei's supply chain finance business and the core competitiveness of Yimei's supply chain finance.Finally,it focuses on the risk management of Yimei's three supply chain financial products in operation.The fourth part is the identification and evaluation process of supply chain financial risks,which is the key chapter of the article.Firstly,after analyzing the present situation of risk management in Yimei Coal Network,based on improvement and holistic thinking,the sources of supply chain financial risks are comprehensively analyzed.Finally,five aspects of external macro environment and industry risks,credit risks,transaction asset quality risks,network technology and operation risks,and supply chain system risks are taken as risk sources.Secondly,in the stage of risk assessment,according to the concrete analysis of these five risk sources,the index system of supply chain financial risk assessment based on Yimei network platform is designed.Finally,the risk assessment model is constructed by combining analytic hierarchy process and blind number theory,and the indicators are given weights in turn,so that the indicators at all levels can get the comprehensive quantitative scores of experts.Through pre-divided risk levels,the risk levels of five types of risks are preliminarily determined.Finally,it is concluded that among the five types of risks,credit risk,external macro-environment and industry risk,network technology and operation risk are all on the upper side of medium risk,which should be paid more attention to.The fifth part is to put forward countermeasures against the problems found in the process of risk assessment,which mainly include establishing credit index mechanism based on integrated platform,strengthening the management of core enterprises to supply chain participants,using 5G new infrastructure to drive the transformation and upgrading of supply chain industry,and speeding up the construction of structural policy micro-response mechanism to reduce risks.It is hoped that the above research can provide useful reference for other enterprises.