Research On Development Model And Risk Of E-commerce In Supply Chain Finance

Supply chain finance is a kind of financing method of data sorting,flow analysis,specific instruction and pledged loan to the whole supply chain system.The business flow is used as the verification record of loan approval,so that the financing process of small and medium-sized enterprises,especially electric suppliers with the lowest cost,the fastest speed,the highest quality to achieve the process of achieving the loan.The financial industry in the development process to seek cross-border cooperation,to the supply chain management learning advantage of the results of financial financing applications for small and medium-sized enterprises to solve the financing difficulties to provide a new way of thinking,micro-credit business model of micro-credit business born mainly for online business of e-commerce small and medium-sized enterprises,through the effective use of electronic orders as a basis for financing,to provide qualification and funding approval for the Internet finance and large data applications to provide innovative thinking,while its risk is also universal And the characteristics of multiple,small and medium enterprises are still not completely out of its inherent financing qualification defects,the risk of control is still important,timely and necessary risk assessment and risk aversion,tackling the problem,to a greater extent,play a supply chain Financial power to small business loans to create a greater value to adapt to the current economic development model.This paper mainly analyzes the operation mode and operational risk of supply chain finance from the delivery of microfinance loans.The first part introduces the basic meaning and development status of supply chain finance,focusing on the microcredit The second part of the process of financing the supply chain financing process and along with the development of small businesses in the process of possible risks,and the risk of one by one analysis of the risk of supply chain finance in the development process of a series of risks;The third part through to jingdong microfinance business specific business under the financial "jing bao bei","YunCang financial" and Ali small online supply chain microfinance loan business as an example for analysis,research electric commercial operation pattern,operation characteristics of small loan financial,operational risk,and of the two kinds of typical electricity supply chain operation mode of the small loans for contrast analysis and the risk control suggestions are put forward.