“互联网+”战略对物流金融的创新模式影响机理研究

在供给侧改革的浪潮下,“互联网＋”成为推动经济发展的新引擎和新动力。“互联网＋物流金融”作为一种新业态,既是将物流金融互联网化,也是借助互联网平台,以物流企业为核心,将融资企业同金融机构以及其他产业进行跨界的深层次的融合。一方面,利用互联网平台的大数据获取融资企业信用数据、交易数据,为企业进行信用等级评估;另一方面,通过互联网平台,实现物流、商流、信息流的高度集成,为不同的中小企业搭建互助平台,以便降低融资成本,提高融资效率,拓展融资渠道,更好地满足融资需求。

In the wave of supply-side reform,＂Internet plus＂has become the new engine and a new power to promote economic development.＂Internet plus logistics finance＂,as a new industry, is not only the logistics finance Internet, but also the Internet platform for financier, financing institution and industry to have deep crossover fusions, with logistics enterprise as the core. On the one hand, the Intemet big data platform can be used to obtain financing business credit data and transaction data to make business credit rating, and on the other hand, the Internet platform can be used to achieve a high degree of integration of logistics, business flow and information flow, and build a platform different small and medium-sized enterprises for mutual help as to reduce financing costs, improve the financing efficiency, expand financing channels, and better meet the financing needs.