Supply Chain Financing Models Design Based On Core Enterprise’s Platform And Risk Management

With the “Internet plus” penetration into the traditional industries, enterprise boundary increasingly being more vague, the length of the supply chain being compressed and width being extended, the business model is facing a big change. However, SME financing is not being solved with the help of Internet penetration, but with the “information flow” being accelerate, SME is more hunger with the “cash flow”.So, the paper systematically constructed a financing framework about the SME finance, that based on the ratio of the current value of the secondary industry and tertiary industry is close to 1: 1, there are two financing models which is SCF(Supply chain finance) for the manufacturing and VCF(value chain finance) for the services industry, and considering the internet penetration to the business, there are also two models in the future, that is based on the e-commerce business platform, and based on the core business self-built platform. But the paper focuses on the finance models designing based on the e-commerce platform by the core business self-built in the manufacturing industry.Based on the cases studying, the paper demonstrated the trend of enterprise Platform development and the lack of current financing models. And then combined the situation of the manufacturing SCF, the paper innovatively designed a supply chain finance ecosystem for the manufacturing industry, and designed the SCF models based on the core enterprise platform, that sourcing platform for the upstream suppliers and sales platform for the downstream distributors. According to “flow dilution risk” principle, the paper identify five risk source for the financing models, which is "systemic risk macroeconomic and industry", "systematic risk of the supply chain," "enhancement of internal credit risk", "external enhancement of credit risk" and "operational risk", and design Likert tables by the literature research and improvement analysis. Invited experts to rate, in order to redistribution the various indicators of risk assessment within the framework of rights, and by the consistency test. Finally, the article gave a risk management, that is the strategic management of risk, the daily operational risk management, early warning and emergency risk control system, by the financial systems engineering thinking.In the outlook for the future SCF models, the article proposed that the “core business” would be replaced by “data mining” companies in the SCF models, that means the credit guarantee of the core enterprise might by replaced by the Cloud computing service.In a word, the paper closely current technology and economic trends, complete the theory of SCF models, and built a systematic framework for financing. So there is some significance for banking, logistics companies, the core business, cloud system service providers and e-commerce business.