Research On Incentive Mechanism Of Bank And B2B Platform In Online Supply Chain Finance

With the rapid development of Internet technology,e-commerce based on Internet technology has also developed rapidly,especially B2 B e-commerce.In 2017,its transaction scale was up to 20 trillion and 500 billion yuan,and the rapid development of this business model also brought strong demand for Internet business financing.This makes the financing business based on the third party B2 B platform emerges,but the new business model will inevitably bring new problems.The problem of adverse moral hazard in the endless stream makes the coordination between the bank and the B2 B platform become very important,and it is of great significance to the research of the incentive mechanism between the bank and the B2 B platform.The research object of this thesis is the incentive mechanism between bank and B2 B platform.Firstly,it summarizes and analyzes the current existing mode of online supply chain finance and the online supply chain finance based on the B2 B platform through literature review,and finds out the existing problems.Secondly,it restructures the online supply chain financial model based on the B2 B platform,which makes up the above deficiencies and provides a good environment for the follow-up specific incentive mechanism.Thirdly,through establishing the screening mechanism of B2 B platform,designing the reasonable revenue distribution contract,and establishing the performance evaluation mechanism of B2 B platform,a whole process incentive mechanism which includes cooperative incentive,contract incentive and reputation incentive is constructed.Finally,the screening and business cooperation process of commercial banks and three commercial platforms is simulated,and the data of the whole incentive mechanism is quantified.The analysis can prove that the incentive mechanism has certain practical value.The rebuilt of financial model in this paper can effectively solve the problemsexisting in the current common mode,improve the information transparency,realize the transformation of "1+N" to "N+N" financing nature and weaken the role of B2 B platform in the process of credit,which provides a good environment for incentive mechanism and reduces the principal-agent risk of commercial banks to a certain extent.Secondly,the whole process incentive mechanism including the defining of screening mechanism of B2 B platform,the designing of a reasonable revenue distribution contract and the establishing of a performance evaluation mechanism of B2 B platform,can not only indirectly incentive the platform by increasing the cost of adverse selection behavior of B2 B platform through quantifying the threshold of cooperation and business results,but also can calculate and analyze the optimal revenue points of both platforms.Proportion plays a direct incentive role.The mechanism reduces the principal-agent risk of banks to a large extent.Finally,the empirical analysis proves practical value of the whole incentive mechanism.