基于电商生态圈的供应链金融助推资本脱虚入实——以京东金融为例

Supply Chain Finance Promote Capital from Virtual to Real based on E-Commerce Ecosystem——Taking JD Finance as an Example

伴随着电商的发展和各级政府利好政策的指引,供应链金融行业边界由最初单一线下经济向复杂线上经济扩张。京东金融凭借其独特的信息技术和京东商城海量数据,构建由B端与C端为框架的融资、理财系列金融产品,形成京东金融商业模式。而后,京东金融更名为京东数科,市场定位由服务京东商城产业链变更为数字科技服务提供商。将基于京东电商生态的金融服务模式快速复制到其他产业链,缓解中小企业融资难、贵并助推资本脱虚入实。

With the development of e-commerce and the guidance of favorable policies from governments at all levels,the boundary of the supply chain finance industry has expanded from a single offline economy to a complex online economy.JD Finance relies on its unique information technology and large amounts of data on JD Mall to build a series of financing and wealth management financial products framed by the B-side and C-side,forming a JD Finance business model.Later,JD Finance changed its name to JD Digital,and its market positioning was changed from serving the JD Mall industry chain to a digital technology service provider.The financial service model based on JD’s e-commerce ecology has been quickly copied to other industrial chains,alleviating the difficulty and high cost of financing for small and medium-sized enterprises and helping them to move capital from the virtual to the real.