Research On The Agricultural Products Supply Chain Finace Of The E-commerce Platform

With the development of economic globalization and networking,the distance between different regions,countries or companies and industries becomes smaller and smaller,and their relationship becomes closer and closer.A solid supply chain relationship can provide enterprises with effective competitiveness in the fierce global trade market.In order to improve the overall competitive advantage of the supply chain,enterprises supply chain management begin to focus on improving the efficiency of capital flow,and supply chain finance emerges at the right moment.In the supply chain,small and medium-sized enterprises(SMEs)are often at a disadvantage position,face problems of difficult and expensive financing for a long time,and they are the vulnerable part restricting the development of the supply chain.Supply chain finance has become an effective way to solve financing problems,and also plays a role in stabilizing the supply chain relationship and reducing the overall cost of the supply chain.In 2017,China upgraded the development of supply chain to a national strategic direction,emphasized the deep integration of supply chain with the Internet and logistics network,and pointing out the direction for the development of supply chain finance for the first time.In addition,the Central First Document is focused on "three rural issues" every year during 2004 to 2019,to solve the problem of three rural issues has also become the government priorities.In this background,supply chain finance becomes a financial form that has close relationship with the development of the Internet and agricultural industry,along with "finance service entity" consciousness gradually strengthened in China,supply chain finance also gradually become a hot spot,more and more industries engage in supply chain finance business,and actively promote the innovative development of supply chain finance.In this process,a new form of finance with Internet technology and e-commerce platform as the core advantage is generated,and the agricultural products supply chain finance based on ecommerce platform also starts to be active in the production,circulation and other transactions of rural agricultural products.At present,the theoretical research on supply chain finance in China is very rich in content,but the research on agricultural supply chain financing under the background of e-commerce platform is not enough,which has lagged behind the practical development.Studies from the perspective of e-business platform often use it as a third party service provider and mainly discusses the commercial Banks as the main body of the supply chain financing,while in reality with the development of e-business platform itself and its ecological construction,e-business platform begins to replace the traditional financial institutions,gradually become the indispensable vital role in the financial services of supply chain;Studies from the perspective of agricultural products focus on mode and process introduction of the offline supply chain financing,and the research on the new financing mode under the influence of Internet technology is not in-depth enough.The innovation of this paper lies in the combination of the e-commerce platform and the agricultural supply chain financing,and focuses on the discussion of the agricultural supply chain financing mode with e-commerce platform as the core element,which has made certain contributions in theory and practice.In terms of theory,normative research method is used in this paper,and based on relevant literatures at home and abroad,this paper analyzes and discusses the mode,characteristics,risks and other contents of agricultural products supply chain finance based on e-commerce platform with the help of supply chain financing theories.To some extent,it enriches the research perspective and relevant theoretical connotation,which is of great significance for the improvement of supply chain finance theory.In terms of practice,case analysis method is used in this paper,and the case study object is Ant Financial Services.The analysis of its agricultural supply chain financing case and the conclusions and suggestions drawn from it can provide reference experience for the development of other similar financial services.This paper is divided into five parts.The first chapter is the introduction part,it introduces the research background and significance of this paper,then starting from the generation,connotation,development and risk of supply chain finance,relevant literature and materials at home and abroad are sorted out,and the research ideas,research methods and basic framework of this paper are introduced.The second chapter is an overview of relevant theories,combining with theoretical analysis of information asymmetry,transaction cost,supply chain management and sharing economy,the connotation,characteristics and other main contents of agricultural supply chain financing based on e-commerce platform are summarized.Agricultural product supply chain financing based on e-commerce platform is divided into two types according to different sources of funds,supply chain financing led by external financial institutions and supply chain financing centering on e-commerce platform,the latter is determined to be the main research object of this paper.Chapter three is the introduction of the case of Ant Financial agricultural supply chain financing based on Alibaba E-commerce platform.This part introduces the basic situation of Alibaba and Ant Financial,the characteristics of the financing mode of agricultural supply chain and the operation plan.Chapter four is the specific analysis of supply chain financing case.Through the basic background introduction,financing scheme characteristics and operation,the motivation,specific implementation path,risk control and implementation effect of Ant Financial agricultural supply chain financing are further analyzed.The fifth chapter is the conclusion and suggestions of the case study.Based on the analysis and discussion in the previous chapter,the author summarizes the paper and the case study conclusion is drawn: the agricultural products supply chain financing based on Alibaba Ecommerce platform can effectively deal with the "three rural issues",and at the same time is conducive to the development of inclusive finance and the realization of value co-creation of the whole supply chain.Finally,on how to effectively carry out the business of agricultural products supply chain financing based on e-commerce platform,suggestions are put forward from four aspects of supply chain management,capital flow,credit system and risk prevention for the reference of similar practices.