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| 大数据环境下供应链金融风险控制研究——以京东金融为例 摘 要 中国经济快速发展过程中，许多中小企业也抓住发展的浪潮寻求规模的扩大，但由于资金不足、融资不畅，对自身发展形成桎梏。以核心企业注入信用为担保的供应链金融解决了这一问题，有效地弥补了中小企业融资困难的缺口。互联网金融进入了新的发展时代，电商产业之间的竞争已经进入红海，以供应链金融模式的融资方式打破了原有的传统融资渠道，也成为了各大电商平台竞相开发的新资源。如今各大电商平台如阿里金融、京东金融和易投资等知名电商，为了发展其自身规模和获得更多的利益，通过自身平台的数据资源优势发展供应链金融业务。通过案例分析研究表明，京东金融利用了时代的资源，充分使用了大数据的技术，在供应链金融风险控制过程中，起到了识别、分析、预警和监控的作用，并且采用了科学技术来对潜在的供应链金融风险采取管理行动。通过对大数据技术的合理运用，使得电商平台的供应链金融风险在时间和空间两个维度进行了有效控制，更是为企业争取了控制供应链金融风险的时间优势，在整个筹资过程中都能起到监控的作用，对资金运转的额全方位进行有效控制。通过大数据系统进行供应链金融风险控制也可用于国内的许多公司与企业。并且，对于一些企业集团和公司，同样也可以使用大数据应用来提高风控效率和供应链金融服务的效率。 关键词：大数据；供应链金融；风险控制 Abstract In the process of China's rapid economic development,many small and medium-sized enterprises have also seized the wave of development to seek scale expansion,but due to insufficient funds and poor financing, their own development has become shackles, but due to insufficient funds and poor financing, their own development has been shackled. Supply chain finance, guaranteed by credit injection from core enterprises,has solved this problem and effectively made up for the financing difficulties of small and medium-sized enterprises. Internet finance has entered a new era of development.The competition among e-commerce industries has entered the Red Sea.The financing method of supply chain finance has broken the original traditional financing channels, and has become a new resource developed by major e-commerce platforms..Nowadays, major e-commerce platforms such as Alibaba Finance,JD Finance and Yi Investment and other well-known e-commercecompanies, in order to develop their own scale and obtain more benefits, develop supply chain financial services through the advantages of their own platform data resources. Case studies have shown that JD Finance has used the resources of the times and big data technology to play the role of identification, analysis,early warning and monitoring in the process of supply chain financial risk control, and it has made full use of science and technology to control the existence and potential The financial risks of the supply chain are controlled. Through the rational use of big data technology,the supply chain financial risks of the e-commerce platform are effectively controlled in the twodimensions of time and space,and it is the time advantage for companies to control the supply chain financial risks, and in the entire financing process Both can play a monitoring role and effectively control the amount of capital operation in all directions. Supply chain financial risk control through big data systemscan also be used by many domestic companies and enterprises. In addition, it can also guide enterprise groups to implement big data applications to improve overall risk control efficiency and supply chain financial business efficiency. Key words: Big Data, Supply chain finance, Risk control 目 录 摘 要 I Abstract II 一、 引言 1 （一）研究背景 1 （二）文献综述 2 二、 大数据环境下供应链金融风险分析 3 （一）大数据环境下供应链金融市场风险 3 （二）大数据环境下供应链金融信用风险 3 （三）大数据环境下供应链金融操作风险 4 （四）大数据环境下供应链金融流动性风险 4 （五）大数据环境下供应链金融风险产生的影响 4 三、 大数据环境对供应链金融风险控制的作用 5 （一）贷前运用大数据技术建立授信体系 5 （二）根据融资方类型定制金融服务产品 5 （三）建立风险管控数据系统加强资金监管力度 6 四、 京东金融供应链金融风险管理案例分析 7 （一） 京东金融供应链金融业务基本情况介绍 7 （二） 京东金融依托大数据技术进行风险管理的具体手段 8 （三）从京东金融供应链金融风险控制中获得的启示 10 五、 总结 10 参考文献 12 |
