B2B电商平台供应链金融典型模式及其比较分析  

Supply Chain Finance Model and its Comparative Analysis based on B2B E-commerce Platform

作　　者：鲍新中[1] 谢文静 陈柏彤 Bao Xinzhong

机构地区：[1]北京联合大学创新企业财务管理研究中心

出　　处：《金融理论与实践》2020年第3期1-7,共7页Financial Theory and Practice

基　　金：北京市属高校高水平教师队伍建设支持计划长城学者培养计划项目“基于风险分担的电商供应链融资合作机制构建与溢出价值分配研究”(CIT&TCD20180327);北京市社科基金一般项目“电商环境下京津冀小微企业供应链融资信任机制与信用评价体系研究”(18GLB010)的阶段性成果

摘　　要：在对电商平台供应链金融模式进行总结的基础上,聚焦B2B电商平台的供应链金融业务,对9家典型B2B电商平台开展的供应链金融业务及其产品进行了描述,并从平台涉及领域、供应链金融开始时间、金融产品模式等六个方面进行了对比分析。结果表明:B2B电商平台往往是采取与金融机构合作的方式获取供应链金融资金需求;开展大宗物资交易的B2B电商平台开展供应链金融业务相对较早;与传统线下供应链金融业务相比,B2B电商平台供应链金融在信用融资和订单融资方面更有优势;B2B电商平台供应链金融产品可以根据不同平台以及买卖双方的特点进行创新设计,最后为电商供应链融资业务的发展提出建议。Based on the summary of supply chain finance model,we focus on the supply chain finance business based on B2B e-commerce platform.This paper describes the supply chain finance business and its products in nine typical B2B e-commerce platforms,and compared from six aspects such as the involving field of the platform,the start time of supply chain finance,and the financial product model.The results show that B2B e-commerce platform is often used to obtain capital demand in cooperation with financial institutions.The B2B e-commerce platform that conducts bulk material transactions conducts supply chain finance business relatively early.Compared with the traditional offline supply chain finance business,B2B e-commerce platform supply chain finance has more advantages in credit financing and order financing.B2B e-commerce platform supply chain finance products can be innovated according to the characteristics of different platforms and buyers and sellers,Finally,some suggestions are put forward for the development of e-commerce supply chain financing business.

关 键 词：电商平台 供应链金融 电子订单 电子仓单 电子信用 

分 类 号：F832.42[经济管理—金融学]