大数据背景下拓展供应链金融的思路与途径分析

On Ideas and Approaches of Expanding Supply Chain Finance with Big Data

供应链金融在我国取得了长足的发展,但由于不能充分有效利用互联网和大数据,导致供应链金融交易成本居高不下,风险控制机制不够健全,形成较为单一的银行主导的供应链金融模式,在很大程度上制约了供应链金融的进一步发展。有效利用互联网和大数据,有助于解决供应链金融信息不对称问题,降低供应链金融的交易成本,强化供应链金融的风险管理。突破供应链金融利用互联网和大数据过程中的技术和制度瓶颈,通过全供应链的数据挖掘,发展各种模式的互联网供应链金融,可以有效拓展供应链金融。

There has been rapid development of the supply chain finance in China. However,the supply chain finance is still unable to take the full advantage of the Internet and big data,resulting in the persistent high cost of supply chain trade and unsound mechanism of risk management,forming relatively unitary bank-dominated financial mode of supply chain,and to a great extent restricting its further progress of the supply chain finance. A good use of the Internet and big data is of great help to eliminate information asymmetry,decrease the transaction costs and strengthen the risk management of the supply chain economy.With the Internet and the big data integration,it is promising to build a supply chain finance system with low costs,and strong risk management. By enabling the data mining throughout the supply chain and developing various types of the Internet-driven supply chain finance,the supply chain finance can be highly improved from taking the full advantage of the Internet and big data.