Research On Supply Chain Financing Risk Of Meituan Under The Background Of Big Data

Recently,supply chain financing has been given a variety of policies at the national level,making it a significant instrument to facilitate financing restructuring,supply financial backing for the real economy,and give aid to small and medium-sized businesses.At all levels,governments have taken steps to foster and foster the lasting growth of small and medium-sized businesses.At the National Two Sessions in 2019,the subject of small and medium-sized enterprises became a major topic of discussion,with the pertinent material being frequently cited in the"Government Work Report".The General Office of the CPC Central Committee and the State Council,in an effort to foster the growth of small and medium-sized enterprises,issued the "Five major m’s were proposed in the "Guiding Opinions on Promoting the Healthy Development of Small and Medium-sized Enterprises" document.The utilization of big data technology has made the benefits of cost-effective and extensive financing options for supply chain financing more conspicuous.Small and mediumsized enterprises are more drawn to it than traditional financing models.Meituan started with the group buying business,relying on its own platform advantages,it has entered the supply chain financing and developed a variety of supply chain financing products for different groups to help the development of platform SMEs,but the results have been very little,mostly due to the financing risks brought by supply chain enterprises.This paper,beginning with Meituan’s supply chain financing products,seeks to address the risks of such financing and aid in the growth of small and medium-sized enterprises by utilizing Meituan as its research object.An examination of the related supply chain financing products,both in the upstream and downstream areas of Meituan’s supply chain,is conducted,revealing the potential risks associated with its supply chain financing,as well as the credit risks posed by platform merchants.The peril of inadequate short-term financing aptitude of great.Proposals for countermeasures to address Meituan’s supply chain financing issues are presented: first,credit risk management in the three stages of financing is implemented for merchants’ supply chain financing,and the platform is established.Resource utilization of big data is judiciously employed.We can attempt asset securitization and broaden financing avenues to facilitate short-term solvency;secondly,To address the issue of operation,Meituan must devise a supply chain financing operation supervision system.It is our wish that this paper can be a source of reference and assistance for other small and medium-sized businesses facing analogous issues,through the investigation of Meituan’s supply chain financing.