数智背景下电商平台的供应链金融业务研究——以京东为例
Research on Supply Chain Finance Business of E-Commerce Platform under the Background of Digital Intelligence—Taking Jingdong as an Example

随着生产社会化的不断推进，单一客户竞争已逐渐演变为供应链相争，同一供应链内部对于信息流、物流、资金流的整合要求也越来越高，供应链金融便应运而生。传统的供应链金融存在着信息不对称、服务范围小、融资效率低等一系列痛点。如何打破信息孤岛，优化信息要素的流转，强化信息传递能力，达到多级信用穿透，如何打破供应链末端中小微企业融资困境，实现节点组织等多方共赢，已成为各方积极探索的着力点。随着数智思潮的兴起，区块链赋能供应链金融，双链齐动的模式提供了极具可行性的思路。本文以京东电商平台为研究对象，阐述了传统供应链金融模式的痛点，指明双链联动的新发展之路，最后提出相关建议以及后疫情时代增强供应链韧性与稳定性的要求，旨在给国内电商企业带来一定的借鉴意义。
With the continuous advancement of production socialization, single customer competition has gradually evolved into supply chain competition. The integration requirements of information flow, logistics and capital flow within the same supply chain are also getting higher and higher. Supply chain finance came into being. Traditional supply chain finance has a series of pain points such as information asymmetry, small service scope and low financing efficiency. How to break the information island, optimize the flow of information elements, strengthen the ability of information transmission, achieve multi-level credit penetration, break the financing dilemma of small and medium-sized enterprises at the end of the supply chain, and realize the win-win situation of node organization has become the focus of active exploration by all parties. With the wide application of financial technology credit, the blockchain-enabled supply chain finance and the dual-chain co-movement model provide a very feasible idea. This paper takes Jingdong e-commerce platform as the research object, expounds the pain points of the traditional supply chain financial model, points out the new development path of double-chain linkage, and finally puts forward relevant suggestions and requirements for enhancing the resilience and stability of the supply chain in the post-epidemic era, aiming to bring some reference significance to domestic e-commerce enterprises.