B2B平台下供应链金融基本模式及管理研究

Research on supply chain finance basic models and management under B2B platform

我国电子商务平台发展迅速,B2B平台作为电子商务供应链企业的重要交易、合作平台,其开展供应链金融业务对于众多的中小微企业获得融资具有重要价值和意义。利用供应链交易的闭环性、资金自偿性等特点,结合互联网技术,线上供应链金融可以为中小微企业提供融资来源,并且能够依托大量的真实交易数据实现数字授信,降低B2B平台、金融机构与企业间的信息不对称性。因此,研究B2B平台下供应链金融基本类型及业务模式,比较其优劣势,并提出相应的管理建议,有助于缓解供应链中小微企业融资困境,促进电商产业链自偿性资金循环。

China’s e-commerce platform is developing rapidly.As an important trading and cooperation platform for e-commerce supply chain enterprises, B2 B platform is of great value and significance for many small, medium-sized and micro enterprises to obtain financing.Using the characteristics of closed-loop and self compensation of supply chain transactions, combined with Internet technology, online supply chain finance can provide financing sources for small, medium-sized and micro enterprises, realize digital credit based on a large number of real transaction data, and reduce the information asymmetry between B2 B platforms, financial institutions and enterprises.Therefore, the study of supply chain financial basic types and business models under B2 B platform and comparing the advantages and disadvantages and putting forward corresponding management suggestions will help to alleviate the financing difficulties of small, medium-sized and micro enterprises in the supply chain and promote the self compensatory capital circulation of e-commerce industry chain.