互联网金融背景下供应链金融体系创新研究——以电子商务物流货到付款业务设计为例

Study on innovation of system of supply chain finance under the background of the Internet finance:taking the design of cash on delivery service in e-commerce logistics as an example

在互联网金融飞速发展的今天,供应链金融的"触网"已是大势所趋,线上供应链金融成为供应链金融发展的高阶阶段,且在互联网背景下金融零售业务所展现的"长尾效应"已逐渐开始影响传统金融格局。文章在分析国内理论与实践脱节的背景基础上,回归国内创新发展实务,以电子商务物流货到付款业务设计为例,提出将互联网背景下的个人信贷金融纳入供应链金融业务范畴,从而提升供应链金融整体效率并达到多方共赢的新模式,同时对该模式创新的优势与溢出效应进行了探讨。

With the rapid development of Internet finance, the ＂internet connection ＂ of supply chain finance was already the definite trend of the times.The online supply chain finance has become the high stage of the development of supply chain finance, and the ＂long tail effect＂ presented by finance retailing under the background of the Internet has gradually influenced the traditional finance.This paper, based on the analysis of the gap between the domestic theory and practice and then returning to domestic innovation practice, taking the cash on delivery service in e-commerce logistics as an example, proposes to bring the personal credit finance into the business category of supply chain finance under the background of the Internet finance, so that to improve the overall efficiency of supply chain finance and to achieve the new model with the win-win result for multiple parties.Meanwhile, this paper discusses the innovative advantage and spillover effect of this model.