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供应链融资作为银行的创新业务,为解决中小企业融资难问题,已广泛应用于传统行业。而B2C电子商务作为一个新兴领域,发展迅猛。将供应链融资应用于B2C电商,采用新型产品和授信模式,有利于整合与优化B2C电商资金流、物流及信息流,提高其资产的流动性,加快企业贸易周转,提高企业经营能力。本文列示了基于B2C电子商务的供应链融资的模式及优势,分析了这种模式下的风险点,并提出风险控制措施。
Supply chain financing, as a bank’s innovative business, has been widely used in traditional industries to solve the financing difficulty of small and medium-sized enterprises. B2C e-commerce as an emerging field, the rapid development. Applying supply chain financing to B2C e-commerce and adopting new products and credit models will facilitate the integration and optimization of B2C e-commerce fund flow, logistics and information flow, increase the liquidity of its assets, speed up the trading turnover of enterprises and improve the operation capability of enterprises. This article lists the modes and advantages of supply chain financing based on B2C e-commerce, analyzes the risk points in this model and puts forward risk control measures.