“大数据”背景下供应链金融风险

中小企业作为一个国度经济的"底座",其发展也关系到整个社会的就业和民生,但是因为逆向选择和品德风险等因素的制约,中小企业融资普遍艰难且融资本钱较高,为处理中小企业融资约束问题,供应链金融应运而生。本文首先论述供应链金融基本概念及运作机理;其次深入剖析供应链金融融资的应收账款融资;最后从概念层深入分析供应链金融风险存在的形式及原因,并通过大数据技术规避供应链金融融资过程中所产生的风险。

As the"base"of national economy,the development of small and medium-sized enterprises is also related to the employment and people's livelihood of the whole society.However,due to adverse selection,moral hazard and other factors,small and medium-sized enterprises are generally faced with difficulties in financing and high financing costs.In order to solve the financing constraints of small and medium-sized enterprises,supply chain finance emerges at the right moment.Firstly,this paper expounds the basic concept and operation mechanism of supply chain finance.Secondly,it analyzes the receivables financing in the financing mode of supply chain.Finally,the paper analyzes the forms and causes of supply chain financial risks from the conceptual level,and avoids the risks generated in the financing process of supply chain finance through big data technology.