| Supply chain finance which was implemented to solve the problem of financing difficulties of small and medium-sized enterprises has come into being a kind of financial services, but its operating inconvenience also reduced the efficiency of the financing process. "Internet +" concept has been involved in the supply chain financial services. With the development of E-commerce, Internet of things, and cloud computing, supply chain finance has gradually developed from offline to online. Studies of online supply chain finance analyzed from different angles, which are to be summarized so as to reach a consensus. Based on this, this paper summarized the development of online supply chain finance and the evolution of credit risk assessment. It also carried on an empirical analysis. This article mainly includes the following contents: Firstly, it clarified the relationship between online supply chain finance and Internet supply chain finance, summarized the connotation of online supply chain finance, and reviewed the related literature from the perspectives of concept, model, credit risk on online supply chain finance; Secondly, the article constructed the comprehensive evaluation index system of credit risk based on the reference literatures and the practice of banks’ online supply chain; Finally, this paper has carried on the empirical research using the data of listed enterprise, which shows that the online supply chain finance credit risk index system is more comprehensive to the evaluation of small and medium-sized enterprise credit risk, which provided much more better credit support to SME. |
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