摘要
本文以JS银行电子商务平台为分析对象,从金融供应链角度出发,研究商
业银行如何运用电子商务平台提升中小企业融资效率这一课题,为银行在互联网
经济中的业务发展提供一种可能的参考模式。
文章首先从平台架构、业务发展、融资情况三方面分析了 JS银行电子商务
平台的运行特征,并结合阿里金融为代表的第三方电子商务平台融资业务进行
SWOT分析,明确了银行主导的电子商务平台融资业务存在的优势、不足、机遇
和挑战。接着文章紧紧围绕融资效率,从四个方面展幵分析:(1)融资对象特征
分析,指出融资对象的特征主要体现了中小企业的融资特征;(2)融资效率因素
分析,明确可以从风险识别、风险度量、风险控制、风险缓释四个环节降低风险
成本,提升中小企业融资效率;(3)融资模式对比分析,指出相比传统信贷模式,
JS银行运用电子商务平台可以从增大贷款企业违约成本、建立网络信用体系、
建立风险共担机制、实现规模经济四个方面提升对中小企业的融资效率。(4)融
资效率提升途径,具体从平台建设、金融产品、风险控制、管理体制、技术运用、
专业人才六方面分析了 JS银行运用电子商务平台提升融资效率的途径,形成了
JS银行的金融供应链。最后,文章从金融供应链角度出发,分析JS银行金融供
应链的构成和运作,并结合供应链上信息流、资金流、物流的特征,提出具体可
行的融资模式并分析其特征,明确了电子商务平台在金融供应链中的积极作用。
研究商业银行如何运用电子商务平台提升中小企业融资效率这一课题,不但
有利于推动中小企业融资业务开展,提升商业银行差异化竞争水平,同时利于拓
展包括物流、平台运营商、软件开发商在内的电子商务平台相关参与者的市场空
间,最终通过提升融资效率让信贷资金有效进入实体经济,服务社会发展。
关键词:电子商务;金融供应链;融资效率
Abstract
This article studies how to use e-commerce platform for the commercial
banks to improve the efficiency of SME financing by studying JS Bank
e-commerce platform from the perspective of the financial supply chain. It will
provide a possible reference mode for the banking business in the Internet
economy.
Firstly, this article analyzes the operating characteristics of JS Bank
e-commerce platform from the perspectives of the platform architecture,
business development and finance,together with SWOT analysis of Ali financial
which is on behalf of a third-party e-commerce platform for flnancial business. It
also defines the strengths,weaknesses, opportunities and challenges of Bank-led
e-commerce platform financing business. Next,this article focuses on financing
efficiency analysis from four aspects: (1) Analysis of characteristics of the
Hnancing objects, pointing out that the main characteristics of the financing
objects reflects the characteristics of the Hnancing of SME; (2) Analysis of
financing efficiency factor , pointing out that JS Bank can reduce risk costs
and improve efficiency financing of SME from four aspects — risk
identification, risk measurement, risk controlling, risk mitigation; (3)
Comparative analysis of financing models,pointing out that JS Bank can
improve the efficiency of SME Hnancing by e-commerce platform from four
aspects—increasing the cost of corporate default loans, establishing a network of
credit system, establishing risk-sharing mechanism and achieving economies of
scale, compared with traditional credit model. (4) Analysis of ways to enhance
the efficiency of financing, in particular from the platform construction, financial
products, risk control ,management system, technology utilization,and
professionals. A Financial supply chain for JS Bank will come into being by using
e-commerce platform to enhance the efficiency financing. Finally, the article
analyzes the composition and operation of the JS-banking financial supply chain
from the perspective of the financial supply chain. It proposes specific and
feasible financing model and analyze its characteristics. And it also defines the
positive role of e-commerce platform in the tinancial supply chain.
Research on how to use e-commerce platform of commercial banks to
improve the efficiency of SME financing is conducive to promoting SME
financing business to enhance competitive differentiation level of commercial
banks. While it is beneficial to expand the market space of e-commerce
platform,including logistics, platform operators, software developers. Eventually,
e-commerce platform will make credit funds into the real economy effectively to
serve the social development by improving the financial efficiency.
Key words: e-commerce; financial supply chain ; financial efficiency