B2C E-commerce Online Supply Chain Finance Management And Control Of Credit Risks

With the development of Internet finance and information technology,Online Supply Chain Finance(OSCF)has quickly become one of the best models for solving the problem of financing difficulties and financing for SMEs.With its low cost and high efficiency,online supply chain finance enables online and downstream enterprises in the supply chain to achieve online financing through online financing platforms and electronic trading platforms.While reducing financing costs,it also greatly improves the financing efficiency of the supply chain.Among the industries that conduct online supply chain finance,the B2C e-commerce industry is the most promising industry.With its huge e-commerce trading platform and information integration advantages,B2C e-commerce has been combined with online supply chain finance perfectly.Nevertheless,online supply chain finance business in China is still in the initial stage of exploration,the relevant service system and risk control mechanism are still not perfect,and the financial industry itself is more complicated,B2C e-commerce supply chain financing will inevitably face high risks.The most important and most difficult to control is credit risk.Therefore,it is of great significance for B2C e-commerce to manage the credit risk in the supply chain financial business and minimize the loss caused by credit risk,which is of great significance to the healthy development of B2C e-commerce and the stable operation of the entire supply chain.Based on the perspective of B2C e-commerce,this paper mainly studies the credit risk of enterprises who participated in the online supply chain finance.Firstly,based on the research background and current situation of B2C e-commerce online supply chain financial credit risk,this paper analyzes the financing mode of B2C e-commerce,the characteristics of participating parties and credit risk,and the influencing factors.Secondly,it focuses on B2C e-commerce supply chain financial credit.The particularity of risk is identified by the panoramic description method and a risk evaluation index system consisting of four first-level indicators and 24 third-level indicators is established.Then,the above-mentioned index system is used to construct the supply chain finance of B2C e-commerce enterprises.Credit risk evaluation model,quantitative analysis of evaluation indicators,the weight of B2C e-commerce supply chain financial credit risk indicators,and the use of 40 sample enterprisedata on the S-commerce platform for empirical analysis;finally from six aspects Specific credit risk control measures.The credit risk evaluation index system,risk evaluation model and risk control measures proposed in this paper have certain practical significance and reference value for supply chain financial credit risk management based on B2C e-commerce,and can be effective for B2C e-commerce enterprises to a certain extent.Provide guidance on credit risk.