电商平台供应链金融模式及风险分析——以京东为例
Supply Chain Finance Model and Risk Analysis of E-Commerce Platform—Taking JD as an Example

本文以京东为例，深入分析了电商平台供应链金融模式及其风险。供应链金融作为一种创新的金融服务模式，通过整合信息流、资金流和物流，为供应链上的中小企业开辟了多元化的融资渠道。京东通过银企合作模式、平台自营模式和特色小微模式，不仅显著优化了金融资源的配置效率，有效削减了企业的融资成本负担，还极大地提升了整个供应链的运作效能与响应速度。京东供应链金融虽已取得显著成果，但在快速发展的过程中仍面临着行业信用方面、业务流程方面、法律环境方面以及止损机制方面等多重风险。针对上述风险，通过完善信用评估体系、加强业务流程管理、完善相关法律法规及建立止损机制等方法降低风险事件发生概率，为自身及供应链上下游企业的长远发展奠定坚实基础。
Taking Jingdong as an example, this paper deeply analyzes the supply chain financial model of e-commerce platform and its risks. As an innovative financial service model, supply chain finance has opened up diversified financing channels for small and medium-sized enterprises in the supply chain by integrating information flow, capital flow and logistics. Through bank-enterprise cooperation mode, platform self-operated mode and characteristic small and micro mode, Jingdong not only significantly optimizes the allocation efficiency of financial resources, effectively reduces the financing cost burden of enterprises, but also greatly improves the operation efficiency and response speed of the whole supply chain. Although Jingdong supply chain finance has achieved remarkable results, it still faces multiple risk risks such as industry credit, business process, legal environment and stop-loss mechanism in the process of rapid development. In view of the above risks, the probability of risk events can be reduced by improving the credit evaluation system, strengthening business process management, improving relevant laws and regulations, and establishing a stop-loss mechanism, so as to lay a solid foundation for the long-term development of themselves and upstream and downstream enterprises in the supply chain.