互联网、大数据与产业链融资新趋势:海尔个案

New Trend of Industry Chain Financing with Internet and Big Data:Haier's case

海尔集团依托互联网、大数据和自身经济实力,与其产业链上的众多中小企业深度开展信贷交易活动。本案例经过分析后认为:第一,海尔产业链融资的实质是,相当于认可并接纳了由中小企业签发的商业承兑汇票,是一种纯正的商业信用交换、开发活动,属于内生性金融配套。第二,海尔产业链融资发展出了只有银行信用交易才具备的交易成本和规模经济优势,互联网、大数据是促成这一新趋势的重要变量。第三,海尔产业链融资有优化成专业银行的可能趋势。

Relying on internet, big data and its economic strength, Haier group extends the scope of industry chain financing to deeply carry out credit transaction with enormous small and medium-sized enterprises on the industry chain. Withan analysis of the case, this article gets the following conclusions. First, the essence of Haier industry chain financing is a kind of pure exchange and exploration of commercial credit, which is equivalent to approve and ac- cept the commercial acceptance draft issued by small and medium-sized enterprises. Therefore, it belongs to endoge- nous financial support. Second, Haier industry chain financing develops the advantage of transaction cost and scale economy which are only possessed by the bank credit, where internet and big data are the important variables to promote this new trend. Third, Haier industry chain financing has the possibility to be optimized as a specialized bank.