【作者】 方慧莲； 佘金凤； 许昱；

【Author】 FANG Huilian;SHE Jinfeng;XU Yu;School of Business,East China University of Science and Technology;

【机构】 华东理工大学商学院；

【摘要】 随着互联网金融的兴起,传统的供应链金融开始向基于电子商务平台的网络供应链金融模式发展。在该模式下,对融资企业信用水平的评价除了传统信用评价中关注的财务信息外,还应考虑基于网络和电子商务平台的非财务影响因素。本文采用了实证研究方法,通过构建结构方程模型验证一些关键的非财务因素对供应链金融信用水平的影响,最终得到融资企业动态交易信用、电子商务平台信用等具体因素对供应链金融信用水平产生正向影响。文章为供应链金融在互联网与电子商务环境下的信用风险管理提供一定参考。更多还原

【Abstract】 With the development of Internet finance,the traditional supply chain finance is being extended to financial service based on E-commerce. In this condition,except for the financial data that traditional credit evaluation focuses on,non-financial factors based on the Internet and e-commerce platform should also be considered. This paper adopt empirical research method,building the structure equation model to verify some key non-financial factors that influence supply chain finance credit level. We find that the transaction credit of financing enterprise,e-commerce platform credit and other specific factors have positive impact on supply chain finance credit level. This article provides some reference for the credit risk management of supply chain finance under the environment of Internet and e-commerce.更多还原