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在信息不对称的情况下,传统的供应链金融模式中金融机构对融资企业缺乏综合的风险评估,因此金融资源无法实现最优配置,制约了供应链金融的运营效率和发展。在“互联网+”的背景下,信息透明度的提高降低了供应链金融的交易成本,实现了利益相关者价值最大化。文章梳理了互联网时代供应链金融的第三方支付平台和P2P平台两种模式,提出优化供应链网络环境、搭建信息共享平台、完善法律监管体系等“互联网+”供应链金融的发展建议。
Under the condition of asymmetric information, the traditional supply chain finance model lacks a comprehensive risk assessment of the financing enterprises by financial institutions. Therefore, the optimal allocation of financial resources can not be realized, which restricts the operational efficiency and development of supply chain finance. In the context of “Internet + ”, the increase of information transparency reduces the transaction costs of supply chain finance and maximizes the value of stakeholders. The article combs the third-party payment platform and P2P platform of supply chain finance in Internet era, and proposes some suggestions on how to optimize the supply chain network environment, build an information sharing platform, and improve the legal supervision system and other “Internet + ” supply chain finance.