Research On Supply Chain Finance Of Core Business Under The Cloud Service

Financing Difficulties for Small and Medium-sized Enterprises is always be Social problem.In the economic transformation,It is more difficulty.If SME Want to expand the scale of production,either through endogenous accumulation,or by way of civil usury.Annualized interest rate between 8%-20% of the financing costs is becoming the blind spot of traditional finance,And thus become the main battlefield of financial innovation.Supply Chain Finance is a new type of financing method to solve the financing difficulty of small and medium-sized enterprises.At present,the research perspective of Supply Chain Finance is mainly from the perspective of commercial banks.Commercial banks under the help of information technology,Completed from the traditional supply chain finance model into online banking electronic supply chain finance.Although this change makes the efficiency of supply chain finance to be improved,but in order to reduce the risk of credit,commercial banks need to scrutinize the situation of small and medium-sized enterprises,also at any time to monitor the operating status of SMEs,it is very difficulty to the banks,and the costs is still high.While the core business-oriented supply chain finance research perspective less.With big data and cloud services thriving,Data collection and data analysis capabilities are greatly enhanced.The core enterprise makes the cloud service platform to make the supply chain management system can collect and analyze the information and data of the enterprise on the supply chain at any time.So as to weaken the information asymmetry between the commercial banks and the enterprises in the supply chain,reduce transaction costs and agency costs,Improve the efficiency of supply chain finance,And promote the development of supply chain financing.This paper is divided into six parts:the first part explains the research background,the purpose and the significance as well as the research innovation.The second part is the concept of the definition and literature review.The basic concepts of cloud services and the basic concepts of supply chain financing,as well as the production and development of supply chain financing and the impact of information technology on supply chain finance.The third part is the theoretical framework,This paper introduces the five theories of information asymmetry,supply chain management,transaction cost theory,principal-agent theory,cloud service and large data theory,as well as the influence and analysis framework of five theories on supply chain finance.The fourth part is the design of core enterprise supply chain financing mode under cloud service,and introduces the framework of the whole financing mode design.The fifth part is the case analysis,DH company by building a cloud service platform,to design three supply chain financing model,namely,e-ticket financing model,forward payment settlement supply chain finance mode,electronic bill pool financing mode,Analysis on the Effect of DH Company 's Supply Chain Finance.The sixth part is the countermeasure and suggestion.In view of the shortcomings of the whole supply chain financing model,such as the insufficient participation of commercial banks,the lack of completeness of supply chain financing mode of core enterprises and so on,the Suggestions from the government,banks,core enterprises and medium-sized enterprises.