The application of cutting-edge technologies such as mobile Internet, big data, and cloud computing has led the economy to a digital path. Mobile payment, e-commerce, and mobile social networking have changed all aspects of daily life, and society has entered the era of digital economic development. Online supply chain finance came into being and solved the financing problems of SMEs efficiently. However, the risks of online supply chain finance are more complicated than traditional supply chain finance. The article analyzes the risks of online supply chain finance and proposes corresponding countermeasures. .
I. Introduction
Against the background of the digital development of the global economy, the wave of “Internet +” has emerged in China. The development of online supply chain finance has become an inevitable trend, and the transformation and upgrading of supply chain finance is poised to take off. In the era of information explosion, digging deep into the potential of supply chain finance and promoting the prosperity of online supply chain finance has important practical significance for stimulating the vitality and innovation of SMEs. There are various levels of risk in the development of online supply chain finance. Strengthening online supply chain financial risk management is the only way to achieve the healthy development of supply chain finance.
Second, online supply chain financial risk analysis
(1) Credit assessment risk of financing enterprises
The popularity of the Internet has increased the speed and efficiency of information exchange, realized the visualization of the entire process of the supply chain, and improved the efficiency of supply chain management. The online operation of the Internet platform breaks the geographical restrictions, and the financing enterprise can submit the relevant materials to the platform for review, which reduces the time and cost of information review. But at the same time, it also increased the risk of credit evaluation of financing companies. Online applications, information review, and loan financing operations were conducted through online platforms. The lack of on-site investigations and inspections made it more difficult to control the credit risk of financing companies. The increasing number of online supply chain financial participants will face more false information behaviors, and most financing enterprises are small in scale, unstable in operation, frequent in financing transactions, and commercial banks bear greater credit risk.
(2) Conspiracy risks of supply chain enterprises
The real transaction background is the foundation of the development of supply chain finance. Online supply chain finance is restricted by the virtuality of the Internet, and more attention should be paid to the authenticity of the transaction background and documents. The real transaction background is a realistic factor that promotes the generation of supply chain finance, but in the specific practical process, there are collusion between core enterprises and SMEs in the supply chain to obtain financing loans from commercial banks, or supply chain companies collude with each other to finance The misappropriation of funds for other high-risk projects, and failure to repay on time caused huge losses for commercial banks, which will greatly hinder the development of supply chain finance.
(3) Risk of information leakage on online platforms
Online supply chain finance has changed the traditional credit financing methods of enterprises, comprehensively analyzing business operations through big data technology, weakening asset considerations, and breaking the financing bottleneck problem of insufficient SME mortgage assets. In the digital economy era, information data has become an important asset of enterprises, and the secure storage management of enterprise data is particularly important. Once the online supply chain financial network appears hacker attacks, human operation errors, hardware equipment operation errors, etc., it will greatly increase the risk of information leakage, resulting in shocks in the supply chain network, causing a devastating blow to SMEs, which is not conducive to the continued health of enterprises development of.
3. Financial risk management countermeasures for online supply chain
(1) Construct an online enterprise credit file management system
By establishing an enterprise credit file management system and recording the enterprise credit history, it has become an important basis for commercial banks to measure the credit of SMEs. At the same time, it can put the company's production and operation activities on a standardized track, increase the cost of SMEs' untrustworthiness, reduce the probability of corporate breach of trust, and achieve effective control of online supply chain financial risks. Through the enterprise credit file management system, to achieve enterprise credit information sharing, promote the establishment of a high-credit business environment, which in turn creates a good environment for the development of online supply chain finance. Implementing a credit rating management system will increase support for small and medium-sized enterprises with high credit ratings. For enterprises with multiple bad credit records, commercial banks and financial regulatory agencies should be vigilant.
(2) Improve the online supply chain financial guarantee mechanism
Based on the core company's credit guarantee, the risk of online supply chain finance is reduced through risk sharing. If the core enterprises and SMEs collude to obtain commercial bank financing, it will break the online supply chain financing credit model, which will affect the stable development of the industrial supply chain. Improve the online supply chain financial guarantee mechanism, clearly stipulate the liability for breach of contract, use the online supply chain financial platform for real-time supervision, and dynamically monitor the flow of funds. In addition, commercial banks can increase the punishment for the conspiracy of core enterprises and SMEs, so as to achieve the warning effect. When a commercial bank signs an agreement with a core company, it should increase the default responsibility of the core company, clarify the default cost of the core company, and reach an agreement on the accountability for breach of contract, in order to avoid the core company's default.
(3) Strengthen the management of online supply chain financial platforms
The development of online supply chain finance tends to be networked and digitized, and ensuring the security of information and data is essential. Therefore, improve the platform network security stability, increase the investment in hardware and software facilities, and build an online platform system to operate a firewall to achieve the safe operation of the online supply chain financial service platform. Improve the platform's ability to process information and data, keep up with the development trend of financial technology, and improve related technologies, with a view to enhancing online supply chain financial service capabilities through technical means. Strengthen the collection, collation, analysis, and storage of information data, and use big data mining technology to analyze the company's deep-level business information, so as to effectively identify false information, improve risk recognition capabilities, and reduce the possibility of risk.
4. Summary
Online supply chain finance breaks through the shortcomings of traditional supply chain finance, realizes the smooth flow of information, invests financial capital in required sector areas, and promotes the rational allocation of financial resources in the supply chain. Online supply chain finance incorporates modern Internet elements. In addition to the risk characteristics of traditional supply chain finance, it also has the unique risks of online supply chain finance. The risks are more complex and changeable. Supply chain financial risk has an objective existence. Online supply chain finance based on the development of the Internet is affected by network virtualization. Its risk is higher than traditional supply chain finance. Therefore, we must pay attention to the risk management of online supply chain finance and promote supply chain finance. Promote the healthy development of the real economy.
