供应链金融科技平台资产证券化助力中小企业融资路径研究--以京东为例  

Research on the Paths of Asset Securitization of Supply Chain Finance Technology Platform Assisting Financing of Small and Medium-sized Enterprises--Taking JD.com as an Example

作　　者：王虹君 Wang Hongjun(School of Economics and Trade,Henan University of Technology,Zhengzhou,Henan 450001)

机构地区：[1]河南工业大学经济贸易学院,河南郑州450001

出　　处：《中国商论》2025年第5期116-119,共4页China Journal of Commerce

摘　　要：本文以京东供应链金融科技平台为例,深入探讨了其通过“双链联动”模式和资产证券化手段在解决中小企业融资难题中的创新路径与成效。本文通过详细分析京东“京保贝”“京小贷”和“京东白条”等供应链金融产品,以及资产证券化过程中的风险控制、技术创新、合作模式等关键要素,揭示了京东如何借助数字化手段优化供应链金融生态,促进资金高效流通,为中小企业提供低成本、便捷的融资渠道。研究表明,京东的“双链联动”模式与资产证券化相结合,有效降低了中小企业的融资成本,提高了融资效率,为中小企业提供了可借鉴的成功范例。Taking the JD.com supply chain finance technology platform as an example,this paper deeply explores its innovative paths and achievements in solving the financing difficulties of small and medium-sized enterprises through the"double-chain linkage"model and asset securitization.By analyzing in detail JD.com's supply chain finance products such as"Jing Bao Bei","Jing Xiao Dai"and"JD Bai Tiao",as well as key elements such as risk control,technological innovation and cooperation models in the process of asset securitization,this paper reveals how JD.com optimizes the supply chain finance ecosystem with digital means,promotes the efficient circulation of funds,and provides low-cost and convenient financing channels for small and medium-sized enterprises.The research results show that the combination of JD.com's"double-chain linkage"model and asset securitization effectively reduces the financing costs of small and medium-sized enterprises and improves the financing efficiency,providing a model that can be used for reference in the industry.

关 键 词：双链联动 资产证券化 供应链金融 中小企业融资 数字化转型 

分 类 号：F833[经济管理—金融学] F276.3