基于B2B电商平台的线上供应链金融模式及其风险管理研究  

Online Supply Chain Financial Model and Risk Management Based on B2B E-commerce Platform

作　　者：李小金[1] 胡雯莉[1,2] Li Xiaojin;Hu Wenli(Guangdong Polytechnic of Science and Technology, Zhuhai, Guangdong 519090;Macao University of Science and Technology, Macao 999078, China)

机构地区：[1]广东科学技术职业学院,广东珠海519090 [2]澳门科技大学,中国澳门999078

出　　处：《黑龙江工业学院学报（综合版）》2019年第5期113-118,共6页Journal of Heilongjiang University of Technology(Comprehensive Edition)

基　　金：广东省教育厅科研项目人文社科课题(编号:2017GWQNCX015);珠海市哲学社会科学规划课题(编号:2017YBC124)

摘　　要：线上供应链金融是"互联网+"供应链金融的前沿领域,现对线上供应链金融四种融资模式的流程及其风险要素进行系统梳理,总结。结果发现:线上供应链金融协同效率有较大担升,但网商的特性和线上化的特点,使其道德风险、业务操作风险和贸易背景真实性风险亦有所增加。据此,在建立信息共享机制、引入区块链技术和强化软硬件运营环境等方面风控建议。The online supply chain finance is the frontier field of Internet + supply chain finance. The process and risk factors of the four financing modes of online supply chain finance are systematically sorted out and summarized. The results show that the synergy efficiency of online supply chain finance has been greatly increased. However, the characteristics of online merchants and line chemistry have also increased the risk of financial moral hazard, business operation risk and trade background authenticity of online supply chain. Based on this, risk control suggestions are proposed in establishing information sharing mechanism, introducing blockchain technology and strengthening the software and hardware operating environment.

关 键 词：电商平台 线上供应链金融 融资模式 风险 

分 类 号：F830[经济管理—金融学]