Research On Risk Management Of Online Supply Chain Finance Of Haier Group Company

Now the competition between enterprises has risen to the competition between supply chains.According to the relevant data of the National Bureau of Statistics,the accounts receivable of core industrial enterprises continue to increase,which will eventually lead to the instability of the supply chain of core enterprises and thus the loss of competitiveness,Haier is faced with the problem of how to shorten accounts receivable and solve the financing difficulties of dealers.Haier Group’s online supply chain finance is oriented by the prepayment financing mode,which shorens the group’s receivables and solves the financing problem of dealers.Through the analysis of its risk management,it can better help the group to avoid relevant risks in the implementation of the prepayment financing mode.Meanwhile,Haier Group’s online supply chain finance case has been recognized internationally,and its sample analysis provides effective practical reference value for the risk management faced by other relevant core enterprises in the implementation of online supply chain finance business.How should core enterprises deal with the prepayment financing mode? How is the business process of Haier Group’s online supply chain finance prepayment financing model developed? What is the proportion of each risk factor? This study combined with the actual case to carry out a full range of risk identification,assessment and control.In line with the idea of "finding problems-analyzing problems-solving problems",firstly,through the analysis and research of domestic and foreign literature on risk management and online supply chain finance related theoretical topics,the theoretical basis and research means of Haier Group’s online supply chain finance risk management are constructed.Secondly,this thesis comprehensively analyzes the business mode,business process and business development process of Haier Group’s online supply chain finance prepayment financing model,as well as the samples of defaulting customers from the project to the present,and finds nine risk factors at the criterion level and 32 risk factors at the scheme level that affect Haier Group’s online supply chain finance.The weight of each influencing factor in the risk management of Haier Group’s online supply chain finance is calculated through the analytic hierarchy process,and the critical control points of risk factors are analyzed by combining the fuzzy comprehensive evaluation method.Through analytic hierarchy process(AHP),the relative risk weight ratio of prepayment financing mode is obtained.The study believes that among the factors affecting the financial risk of Haier Group’s online supply chain,the risk weight ratio of external environment is the highest,followed by the risk of enterprise organization,the risk of platform audit dealer access and the risk of platform audit cooperative bank access.In addition,the risk grade factors are analyzed by fuzzy comprehensive evaluation method and the high risk points,medium risk points,critical control points,important control points and general control points are obtained.Finally,on the basis of in-depth analysis,the thesis puts forward the optimization and suggestions of Haier Group’s online supply chain financial risk management.The research conclusions are as follows:(1)Haier Group,through effective control of business flow,logistics flow,information flow and capital flow,carries out online supply chain finance with low overall risk.(2)The prepayment financing mode adopted by Haier Group’s online supply chain finance is an implementation plan of multi-party cooperation and win-win.The online system and organizational system of Haier Group also avoid possible risk problems for the online supply chain finance of Haier Group.(3)The successful implementation of Haier Group’s online supply chain finance has implications for other core enterprises to develop supply chain finance: the core enterprises should have a supply chain finance strategy,and the implementation basis is that the core enterprises should have a complete supply chain and a complete online system.(4)External environment risk,access of each participant role,business mode and business process formulation have an impact on supply chain finance project risk.