| The development of supply chain finance(SCF)provides a solution to the financing problems of small,medium and micro-sized enterprises.With the increasingly mature emerging information technology constantly integrating into the financial field,an innovative pattern of online supply chain finance(OSCF)has emerged.As a powerful starting point of SCF innovation,OSCF has changed the traditional mode dominated by banks.More and more different types of enterprises have gradually joined the field of SCF,making use of the advantages and business characteristics of various industries to provide accurate financial services for the real industry.However,with the development of OSCF,it also faces more complex financial risks.Therefore,the government regulation also needs corresponding reform and innovation.Its regulatory responsibility is to accelerate the development of OSCF on the basis of preventing complex financial risks,so as to provide more efficient solutions to alleviate the financing problems of small,medium and micro-sized enterprises and help the high-quality development of the real industry economy.In this paper,the geographical scope of the study is in Chongqing.Firstly,the problem of government supervision of online supply chain finance is proposed.Then,problem-oriented,literature research,case analysis and field research methods are used to draw conclusions.In the part of theoretical research,through reading a large number of domestic and foreign literature on the study of on SCF,this paper summarizes the domestic and foreign research status on SCF,SCF and Internet integration mode,supply chain financial risk control and government supervision,and summarizes the background and significance of this study.This paper defines the concepts of OSCF and government regulation involved in this study,and expounds the theories of market failure,public governance,crisis management and transaction cost,so as to lay a theoretical foundation for the study.Under the background of Chongqing being selected as a pilot city of financial standard innovation construction,financial technology innovation supervision,this paper introduces the general situation of Chongqing OSCF development,and summarizes the existing circumstances and achievements of Chongqing OSCF,through on-the-spot investigation of relevant financial supervision departments of Chongqing municipal government.In the part of case analysis,two cases of "cross regional collaboration of cloud chain companies of Chinese enterprises" and "the establishment of supply chain financial technology companies" are selected.Integrated with the theoretical basis,the matters existing in the government supervision of OSCF in Chongqing are found,including the disharmony between government supervision subjects,the mismatch between government supervision and financial innovation,and the incompleteness of government supervision scope,and the mechanism of government regulation is rigid..Through the analysis,it is observed that the main reasons for these matters are that the government’s regulatory reform of innovation mode is relatively backward,the government’s regulatory system and regulations are not perfect,and the lack of effective risk early warning mechanism.By finding out the problems and analyzing the reasons,this paper pushes forward some strategies and suggestions to optimize the government supervision of online supply chain finance in Chongqing: to build a new government supervision system by clarifying the new positioning of the government supervision subject,setting up a new mechanism of collaborative supervision,injecting new energy into the implementation of supervision and establishing new industry management indicators;to fill in the gap of online supply chain financial supervision system In order to improve the government’s online supply chain financial supervision system and regulations,we should explore and formulate policies and regulations to ensure information security;enrich the resources of government supervision by building public service platform and increasing policy support;broaden the scope of government supervision by strengthening online supply chain transaction management,improving information sharing mechanism and establishing credit evaluation mechanism Regulatory path.This study proposes strategies and suggestions,focusing on risk prevention,in order to promote economic development.It is hoped that this study can provide some good regulatory ideas for the government regulation of OSCF in Chongqing,and promote the continuous development of OSCF towards a healthy and stable direction. |
