Research On The Loan Pricing Of W E-commerce Supply Chain Financial Platform

Since the end of the 20 th century,e-commerce has risen and flourished on a global scale.After five years of steady development,retail e-commerce companies in China have not sloWed doWn their pace of groWth.HoWever,similar to traditional enterprises,many companies on the e-commerce platform still face difficulties in financing.And is limited by the loWer credit rating and less collateral assets,so that the development of e-commerce upstream and doWnstream companies have received a lot of financial restrictions.In response to this phenomenon,many large-scale e-commerce platforms(such as Alibaba,JD,Suning,etc.)help their upstream and doWnstream companies in the supply chain to conduct credit evaluation by analyzing transaction data and other means to provide financing services in order to better improve The overall benefit of the supply chain.W e-commerce supply chain financial platform relies on W-commerce platform to provide financing services for suppliers on the platform.At present,the folloWing problems are faced: 1.Development has a certain scale and it is difficult to achieve profit groWth.2.The core enterprise loan pricing adopts the traditional credit assessment method,and special personnel revieW and approve loans.3.The number of customers is more difficult to increase.This article studies the above issues.This paper studies the pricing method of the core corporate loans of the W-E-commerce platform and the loan pricing methods of the upstream and doWnstream companies With the core enterprise as the center.First,the BP neural netWork algorithm is used to rate the contribution of core companies.Experiments shoW that the BP neural netWork model can be rated based on the nonlinear data relationship of the core enterprise,but there is still room for improvement in convergence and error.Therefore,an improved genetic algorithm is used to optimize the BP neural netWork model and the experimental results are performed.Compare.Secondly,based on the principle of contribution in the principle of customer profit analysis,the contribution of SMEs to core companies is expanded,and the contribution of SMEs is rated.Finally,the CAPM model Was used to construct the pricing model of the core enterprise's upstream and doWnstream SMEs,50 core enterprise A's upstream and doWnstream companies' loan data and benchmark interest ratesWere selected for SPSS regression analysis,and the factors affecting SME pricing Were obtained.This study has helped to solve the practical problems of the W e-Commerce supply chain financial platform.It tries to focus on core enterprises,establish core enterprise relationships With upstream and doWnstream SMEs,and use core enterprise guarantees to provide loans for upstream and doWnstream SMEs.To achieve the groWth of supply chain financial cooperation companies,and back-feed the electricity supplier.Enriched the study of SME loan pricing.The first chapter of this article is the introduction.The second chapter introduces the research theories of supply chain finance and the research on the financing problems of core enterprises and SMEs in the supply chain.The third chapter analyzes the current business situation and existing practical problems of W E-commerce.In chapter four,the evaluation index of core enterprise contribution is selected,the core enterprise pricing model is constructed by BP neural netWork model,and the BP neural netWork model is optimized by genetic algorithm and improved genetic algorithm and the results of several models are compared;Chapter Five: The core enterprise The doWnstream SMEs have studied the contribution of core companies,and used the CAPM model to construct the SME loan pricing model and empirical analysis.The sixth chapter is the conclusions and deficiencies of this paper.