Research On The Optimization Of Suning's Supply Chain Finance Business

There are a large number of small and medium-sized enterprises(SMEs)in China,and economic growth is closely related to the development of small and medium-sized enterprises.However,financing difficulties have always been a common problem in the operation of SMEs.How to finance SMEs with high efficiency,low cost and low risk has always been the focus of social attention.With the development of the Internet,many e-commerce platforms rely on their own advantages to carry out supply chain financial services.Based on the historical transaction data of the enterprise,the credit of small and medium-sized enterprises is completed,and all processes can be operated online.The combination of the Internet and supply chain finance can improve the financing efficiency of SMEs to a certain extent,and help alleviate their financing difficulties.What are the advantages and disadvantages of Internet supply chain finance compared with traditional supply chains,and how to make Internet companies better carry out such businesses is what this article needs to study.In this context,the article takes Suning as an example to research the company's supply chain financial business and find that Suning's supply chain financial business has many characteristics: many types of products,fast audit speed,timely payment,and special Supply chain financing platform,etc.But at the same time,there are some problems: too much capital occupation affects its own development,the credit status of suppliers is difficult to assess,and the reliability of pledges in inventory financing is low.This paper optimizes the design of Suning Supply Chain Finance from the perspectives of business process,audit mechanism and product innovation,and analyzes the expected effects of the optimization.This article believes that after the optimization of Suning's supply chain financial business,the services provided will be more targeted,the overall risk will be reduced,and corporate funds will be used reasonably.At the same time,in order for Suning's supply chain financial business to be better implemented,safeguards are proposed from three aspects: in terms of technology,it is necessary to strengthen the level of research and development and focus on technological upgrading;in terms of talent,it is necessary to focus on the introduction of professional talents and employees Compliance operation,establish a sound salary incentive system;in terms of system guarantee,we must speed up theconstruction of credit credit system and promote the construction of inter-industry rules and regulations.Internet companies carrying out supply chain financial business can not only make themselves gain new profit growth points,but also alleviate the current problems of financing difficulties and expensive financing for SMEs.This article takes Suning as an example to explore the operation mode of Internet supply chain finance,analyze its existing problems and propose optimization suggestions,which is conducive to the development of Suning supply chain finance and can also be used for other similar companies to carry out supply chain finance business.To the corresponding reference role.