Study On The Supply Chain Finance About How To Improve The Financing Environment Of The Private Enterprises With The Help Of The Big Data On Internet

With the help of Deng Xiaoping’s path of opening up and economic reform,Chinese private economy has got prompt development.However,private enterprises,especially small and micro enterprises,they have to solve the problem of capital shortage if they want to further develop.It is especially difficult for them to obtain loans from the formal financial institutions,the interest rate of their loan is also particularly high,these have seriously restricted the development of those small and micro enterprises.Supply chain finance has been grown up with the economic activities and been used to resolve the issue of funding at the same time.On the one hand,supply chain finance participating in the operation of enterprises has greatly help the real economy development;on the other hand,it controls the risk.From the perspective of credit risk,traditional loan model of banks in fixed assets as collaterals,while supply chain finance packages logistics,commercial flow,capital flow and information flow together,and takes the current assets of similar transaction behaviors of financing enterprises as credit sources.In consideration of the financial objects,the financial demand of the small and medium state-owned enterprises can be characterized by three words "small,urgent and frequent".The financial needs of trading subjects with different transaction status and transaction levels in the industrial chain are different,and supply chain finance can provide personalized and comprehensive financial services.It can not only guarantee the funds of the enterprises for turnover is adequate with the help of the Supply Chain Finance,but it can also make the production processes more perfect and further improve the financial services of enterprises when they make transaction with others.Of course,the business channels of financial institutions will also be expanded along with the development of enterprises.The mutual promotion and common development of them have make great contribution to the transformation and upgrading of the whole industry ecosystem.The popularization of the Internet and the application of big data can increase the openness and transparency of the information.As the result of that,the information asymmetry have shortened between financial institutions and private enterprises.Rich online and offline social e-commerce application scenarios and one-stop mobile payment platform also greatly facilitate the development of the supply chain finance.The financial demands of various private enterprises are different,and the modes of the supply chain finance are also diverse.How to avoid risks is a problem that needs to be solved at present.Chapter one is an introduction.Chapter two and chapter three respectively analyze supply chain finance and supply chain finance to improve the financing environment of private economy.Chapter four are business case analyses.Finally,three suggestions about the risk management of Supply chain have been put forward on Chapter five.