互联网平台企业供应链金融研究及发展建议——以京东、阿里巴巴、拼多多、美团为例

Research and Suggestions on Supply Chain Finance of Internet Platform——A Case Study of JD,Alibaba,Pinduoduo and Meituan

互联网平台企业借助核心地位,为解决中小微企业融资难题,提供应收账款融资、订单融资、信用贷款等金融服务,推动了供应链金融模式的创新发展。本文通过分析京东、阿里巴巴、拼多多、美团四家代表性企业供应链金融产品的特点与不足,为国内互联网平台供应链金融改善提供借鉴。互联网平台需创新整合金融业务,加速数据融通,扩大供应链金融服务覆盖面,同时利用数据优势搭建信息平台并改善风险控制流程,借助科技手段规避信用风险。政府部门应在政策与资金优惠方面促进互联网供应链金融的有序发展。

By virtue of core position,Internet platform enterprises provide accounts receivable financing,order financing,credit loans and other financial services to solve the financing problems of medium,small and micro enterprises,which promotes the innovation and development of supply chain finance mode.By analyzing the characterizes and disadvantages of supply chain finance products of JD,Alibaba,Pinduoduo and Meituan four representative enterprises,this paper provides reference for the improvement of supply chain finance of Domestic Internet platforms.The Internet platform should innovate and integrate financial services,accelerate data integration and expand the coverage of supply chain financial services.At the same time,enterprises should use data advantages to build an information platform and improve the risk control process,with the help of scientific and technological means to avoid credit risks.Government departments should promote the orderly development of Internet supply chain finance in terms of policies and financial incentives.