Analysis Of Supply Chain Finance Model Of E-commerce Platform

Small and medium-sized enterprises are an important part of China’s market economy system,and their stable operation is the basis for ensuring the healthy and sustainable development of China’s economy.However,with the increasingly prominent shortage of funds,it has affected the production activities of small and medium-sized enterprises.At present,China has given tax relief and reduced loan costs in terms of policies.At the same time,it also relies on financial technology to create a supply chain financial model.Financial technology based on the Internet,artificial intelligence and big data has penetrated into the financial field,integrated new technologies into traditional financial business,and carried out traditional financial business.Reshaping and carrying out with new business platforms has driven the supply chain financial services of e-commerce platforms.The supply chain finance of e-commerce platforms has flourished in China,providing new ideas for solving the financing difficulties of small and medium-sized enterprises.E-commerce platform supply chain finance has a great help to alleviate the financing difficulties of small and medium-sized enterprises,which can broaden their financing channels.As an effective source of funds,it alleviates the dilemma of small and medium-sized enterprises relying solely on bank credit.At the same time,it also helps the links between enterprises in the chain to be closer,and the cooperation is more stable to promote long-term development.This article analyzes the supply chain financial model of the e-commerce platform from the perspective of the e-commerce platform.First of all,it introduces the background and significance of supply chain finance of the e-commerce platform.Secondly,it consults the relevant documents,classifies and studies the relevant documents of its sustainable development,and elaborates the relevant concepts and the supply chain financial model of the e-commerce platform.Taking JD Group as an example,this article introduces the company’s background,development process and the motivation for the development of the supply chain financial model of the e-commerce platform,and introduces the different supply chain financial products launched by JD Group in chronological order,including the bank-enterprise cooperation model,the platform self-operated stage model and the characteristic small and micro model.And further analyze the supply chain financial model of Ping An Bank and Suning Group,and analyze the advantages and disadvantages of JD Group’s online supply chain finance through comparison.Finally,according to the previous research results,we get the conclusion of this article and give suggestions from JD.com and the government,that is,to accelerate digitalization,broaden the source of funds,and develop new needs to meet new needs.The government should strengthen the support for the supply chain finance of e-commerce platforms,accelerate the improvement of the credit information system,improve the legal and regulatory system,create a good financing environment,and implement strict access standards to reduce business risks.Through the analysis of the supply chain financial model of JD e-commerce platform,it provides a reference for the e-commerce industry to further develop supply chain finance and serve the healthy development of small and medium-sized enterprises.