数字化金融科技平台赋能的供应链金融模式——基于信息处理视角的双案例研究

摘要/Abstract

摘要： 供应链金融的发展和创新问题是近些年来理论界和实践界关切的重大课题。本文从信息处理理论的视角出发，对金融科技平台的技术架构、组织网络结构、基于信息处理和传递的协调与风险控制机制进行分析，探索金融科技平台如何帮助金融机构提高针对中小企业的信用风险评估能力，从而推动供应链金融模式创新的实现。通过案例研究，本文发现，金融科技是供应链金融得以实施的关键因素，数字化平台能够基于特定的技术手段和供应链各方数据对企业贸易背景真实性进行风险评估，并利用其在信息网中的中心位置进行风险控制，为金融机构提供借方真实、透明、可追溯的实时信息，由此阐明了金融科技平台信息处理能力与差异化供应链金融模式及风险控制要求之间的匹配问题。基于上述研究发现，本文提出了一个整合性的理论框架，并为解决供应链金融中信息不对称、缓解中小企业的融资难和融资贵问题提供政策建议。

关键词: 金融科技, 数字化平台, 供应链金融, 信息处理

Abstract: The development and innovation of supply chain finance has been a major subject of theoretical and practical concern in recent years. From the perspective of information processing theory, this paper analyzes the technical architecture, organizational network structure, coordination and risk control mechanisms based on information processing and transmission of fintech platforms, and explores how fintech platforms can help financial institutions to improve the ability of credit risk assessment for small and medium enterprises, thereby promoting the realization of supply chain financing. Through case study, this paper finds that financial technology is the key factor for the implementation of supply chain finance. The digital platform can evaluate the authenticity of enterprise trade background based on specific technical means and data of all parties in the supply chain, and takes advantage of a structural hole in information network to control the risk, so as to provide real, transparent and traceable real-time information for financial institutions. This study expounds the fitting problem between the information processing ability of fintech platforms and the information processing requirements of financial institutions in differentiated supply chain approaches. Based on the above findings, this study proposes an integrated theoretical framework and further puts forward policy suggestions for solving the information asymmetry in supply chain finance and alleviating the financing difficulty for small and medium enterprises.

Key words: fintech, digital platform, supply chain finance, information processing

宋华, 韩思齐, 刘文诣. 数字化金融科技平台赋能的供应链金融模式——基于信息处理视角的双案例研究[J]. 管理评论, 2024, 36(1): 264-275.

Song Hua, Han Siqi, Liu Wenyi. Digital Financial Technology Platform Enabled Supply Chain Finance Pattern: A Comparative Case Study from Information Processing Perspective[J]. Management Review, 2024, 36(1): 264-275.

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