| In recent years,with the continuous development of the Internet industry,enterprises have entered the era of high-speed informationization.At the same time,competition among enterprises has become increasingly severe.The efficient and stable supply chain has become the key to competition among enterprises.In order to create a more efficient,secure and stable supply chain system,Internet supply chain finance came into being.In the supply chain financial system,the core enterprise has established a platform for mutual communication and exchange for the entire supply chain,and uses its own advantages to provide financing services for relatively weak upstream and downstream SMEs,and solves the problem of financing difficulties for SMEs in traditional channels.At the same time,however,the core enterprises also need to bear greater risks in this process.In addition to their own operational risks,the risks of credit and guarantee links in the supply chain will also affect the financial security of the core enterprises.Once the financial security of the core enterprise is threatened,the entire supply chain will be implicated,resulting in huge losses,which will adversely affect the operating environment of the entire market.In this case,this paper selects Haier Group as a case to analyze the main risks that Haier faces as a core enterprise in supply chain finance.Based on Haier’s existing supply chain financial model and the financial situation before and after the implementation of supply chain finance in 2014,qualitatively summarizing Haier’s current major risk issues,first of all,enterprise system risk,respectively,from the risk pressure of the industry in which the enterprise is located and the enterprise The risk of the supply chain system is followed by the risk of credit link in the two main modes of Haier’s supply chain,and finally the risk generated by Haier’s Internet credit platform established to build a supply chain financial system.The above risk factors were quantified by the Z-score model.According to Haier’s existing supply chain financial risk control measures,feasible optimization suggestions are proposed.The research results show that there are many financial risk factors affecting the supply chain of core enterprises,mainly from systemic risk,credit mechanism and lending platform.Due to the influence of big data on the Internet,the process of informationization has accelerated,and the transformation of traditional industries has been homogenized.The supply chain financial model has become a common mode in the industry.The credit mechanism is affected by the information asymmetry of financial institutions and credit companies.It cannot reflect the financial status of funds in a timely manner,so that the pressure on funds will surge and the risk coefficient will increase.The credit platform has a common problem of opaque information,which enables the credit platform to transmit high risks while transmitting funds in both directions.In response to the risk problems of the core enterprises,combined with the existing internal control measures of the enterprise,suggestions for improvement are proposed.In order to avoid the supply chain financial risks under the Internet background,it is necessary to dig deep into the core of the enterprise and formulate a development model according to local conditions.The management of supply chain finance in core enterprises should pay more attention to production efficiency,the improvement of supply chain operation efficiency,and the coordination between upstream and downstream enterprises in the supply chain.Standardize the credit process,establish a dynamic credit evaluation system,and under the favorable support of big data conditions,closely link relevant enterprises,implement the responsibility system,and find out problems in a timely manner.For the derivative platform products of large enterprises,stricter implementation of compliance management,establish standard operating procedures,and create a high-quality and reliable service platform in the context of large enterprises. |
