电商参与下的供应链金融模式研究

Research on Supply Chain Finance Models under E-Commerce Participation

摘要: 基于不同资金来源下的电商供应链金融模式，分析我国电商供应链金融的具体实践，总结各类模式的特点、优劣及风险所在。研究表明：电商参与下的供应链金融与传统供应链金融相比，在审批流程、放款速度，融资成本等方面更具优势，有效缓解了中小企业的融资难问题。银行系电商和电商贷款模式都存在一定局限性，银行与电商平台合作的委托授信模式能够很好地发挥双方的比较优势，联合授信模式能够减少贷款违约。

Abstract: Based on the e-commerce supply chain finance models under different funding sources, analyze the specific practices of e-commerce supply chain finance in China, summarize the characteristics, advantages and disadvantages, and risks of each model. Research has shown that supply chain finance with e-commerce participation has advantages over traditional supply chain finance in terms of approval processes, loan disbursement speed, financing costs, etc., effectively alleviating small and medium-sized enterprises’ financial problems. Both banking based e-commerce and e-commerce loan models have certain limitations. The entrusted credit mode of bank and electronic commerce platform collaboration can effectively leverage the comparative advantages of both parties, while the joint credit model can reduce loan defaults.