线上供应链金融商业模式比较研究

A Comparative Study of Online Supply Chain Finance Business Model

在移动互联网逐渐成熟的环境下,商业模式逐渐由线下发展成为线上。对银行线上供应链金融商业模式、电商供应链金融商业模式、银行借助电商平台的供应链金融商业模式展开分析,以平安银行的"采购自由贷"、京东的"京保贝"、建设银行的善融商务银行为例,比较分析三种商业模式的优缺点,提出完善供应链信息系统,促进银行与其他机构进行密切合作,线上供应链金融需要创新商业模式的对策建议。

With the mobile Internet gradually mature,business model gradually developed from offline to online.To analyze the business model of supply chain finance,such as online supply chain finance business model and supply chain finance business bank with the electronic business platform.The case study on the procurement freedom loan in the Bank of Pingan,the JingBaoBei of Jingdong and the good financial business bank in CCB,which help us to analyze the advantages and disadvantages of these three kinds of business models.The countermeasures conclude the proposed supply chain information system,promote the bank to cooperate closely with other agencies,and develop business model innovation of online supply chain finance.