The Research On Jingdong Finance’s Supply Chain Financial Model

This paper starts with the analysis of three traditional financing modes of supply chain finance,and sorts out the relevant research literatures in this field in recent years.On the basis of this,it compares the similarities and differences between the traditional modes and the existing problems,and then leads to the development mode and advantages of supply chain finance under the background of Internet.It specifically explains how e-commerce platform and P2 P online lending platform participate in supply chain financial services,and summarizes the comparative advantages of Internet supply chain financial services through two practical examples of Internet supply chain finance.The article deeply analyzes the case of Jingdong financial supply chain financial financing model,and introduces the basic situation of its traditional bank-enterprise cooperation stage accounts receivable financing mode,order financing mode,entrusted loan financing mode and inbound financing mode,and launches the traditional model.The analysis of defects leads to the motivation of JD’s financial business innovation.Then based on the theory of financial innovation,analyze the products under the financial innovation model of Jingdong Financial Supply Chain,including “Jingbaobei”,“Jingxiaodai”,“Moving Property Financing”,“Qiyejincai” and “Jingdongkuaiyin”.Through the analysis of the operation process,product advantages and risk control mechanism of these five products,the business innovation has brought innovation effects to Jingdong Finance,including the management cost,operating income and risk management brought to its own platform.Optimization and contribution to the entire supply chain financial industry.Although the supply chain finance is a relatively successful module for Jd finance,there are still some shortcomings in the innovation model that are worth considering.The overall case analysis aims to provide reference and innovative ideas for other enterprises to carry out supply chain finance.The case of Jingdong Financial Supply Chain Finance tells us that diversified business development is the only way for the innovation and development of corporate supply chain financial business.Only with the effective combination of new and old technologies can the supply chain financial business be better adapted.Sex.According to case analysis and comparative analysis,this paper gives the policy recommendations for standardizing the development of China’s supply chain financial market in the current financial environment.At the government level,we should establish a standardized legal supervision mechanism,assist in the establishment of a credit system,and increase support for e-commerce supply chain finance.At the e-commerce level,it is necessary to expand the company’s capital source channels,strengthen the resource integration with partners,optimize the business technology level of e-commerce platform,and improve the talent training mechanism.The entire supply chain finance industry needs to enhance the boost role of data and technology,and promote the process of product vertical and differentiation.In past research,for jingdong financial supply chain finance business model a detailed system analysis of the literature is not much,existing also mainly for its traditional product was studied,based on explore the motivation of jingdong model of financial innovation,relying on the detailed study of the characteristics and patterns,to study the effects and problems brought about by the innovation model.