摘 要

互联网供应链金融是信息化条件下实体经济与金融服务结合的最佳方式和最佳推进载体，能够破解我国实体经济与金融经济脱节的难题，还能促进普惠金融的发展，特别是在解决中小微企业融资难的问题上可以发挥巨大作用，实现产业供应链整体运转效率及竞争力的提高，未来很有可能成为金融业创新的新蓝海和制高点。互联网供应链金融是以一种“低成本、便捷性”的信贷模式来实现金融末端的普惠，是加快发展多层次资本市场的重要一环，是对传统金融机构借贷作用的有益补充。由于互联网供应链金融具有信息化与虚拟化、高效性与经济性、网络化与一体化等鲜明特点，使得它在促进普惠金融的发展方面具有积极作用。我们希望利用互联网供应链金融的相关知识为中小微企业的融资难问题提出缓解措施，从而促进普惠金融的发展。

互联网供应链金融理论是供应链理论新时期的理论成果，普惠金融在促进国家经济发展、建设和谐社会方面具有积极作用，但是当前我国普惠金融的发展水平与世界水平相比仍有较大差异，互联网供应链金融为普惠金融的发展带来了新的发展机遇。互联网供应链金融支持普惠金融的发展主要体现在帮助中小微企业解决融资难的问题，本文将结合我国具体情况分析我国互联网供应链金融支持普惠金融发展的三种具体方式：短期应收账款模式、卖方电子订单模式、融通仓融资模式，并分析其存在的风险信用风险、网络安全问题、市场风险，最后提出相应的解决措施。

研究结果表明：互联网供应链金融对于普惠金融的发展有积极地促进作用，但同时互联网供应链金融本身以及与普惠金融结合过程中也存在一些问题，因此需要采取相应的措施促进互联网供应链金融的发展，从而促进普惠金融的发展。

本文特色：运用比较新的互联网供应链金融的相关理论探讨普惠金融的发展，同时根据我国现有的情况分析其发展模式。

关键词：互联网供应链金融；普惠金融；信用风险；风险规避

Abstract

Internet supply chain finance is the best way to combine real economy with financial service and the best carrier to promote it under the condition of informatization. it can solve the problem of the disconnection between real economy and financial economy in our country, and also can promote the development of inclusive finance. especially, it can play a huge role in solving the problem of financing difficulties of small and medium-sized micro-enterprises and realize the improvement of the overall operation efficiency and competitiveness of industrial supply chain. it is likely to become the new blue sea and the commanding point of financial industry innovation in the future. Internet supply chain finance uses a " low cost, convenient" credit model to achieve financial end inclusion. it is an important part of accelerating the development of multi-level capital markets and a beneficial supplement to the borrowing function of traditional financial institutions. Because internet supply chain finance has distinctive features such as informatization and virtualization, high efficiency and economy, networking and integration, it plays a positive role in promoting the development of inclusive finance. We hope to use the relevant knowledge of internet supply chain finance to put forward mitigation measures for the financing difficulties of small and medium-sized micro-enterprises so as to promote the development of inclusive finance.

Internet supply chain finance theory is the theoretical achievement of supply chain theory in the new era. inclusive finance plays an active role in promoting national economic development and building a harmonious society. however, the current development level of inclusive finance in our country is still quite different from the world level. internet supply chain finance has brought new development opportunities for inclusive finance. The development of internet supply chain finance in support of inclusive finance is mainly reflected in helping small and medium-sized micro-enterprises to solve the problem of financing difficulty. this paper will analyze three specific ways of internet supply chain finance in support of inclusive finance development in our country based on the specific situation in our country: short-term accounts receivable mode, seller's electronic order mode, financing mode of accommodation warehouse, and analyze its existing risk credit risk, network security problem, market risk, and finally propose corresponding solutions.

The research results show that internet supply chain finance plays an active role in promoting the development of inclusive finance, but at the same time there are also some problems in the process of integrating internet supply chain finance and inclusive finance. therefore, corresponding measures should be taken to promote the development of internet supply chain finance so as to promote the development of inclusive finance.

This article features: using the relatively new theories of internet supply chain finance to discuss the development of inclusive finance, and at the same time analyzing its development mode according to the current situation in our country.

Key Words：internet supply chain finance；inclusive finance；credit risk；risk management

目 录

摘 要 I

Abstract II

第1章 绪论 1

1.1 研究背景目的及意义 1

1.1.1 研究背景 1

1.1.2 研究目的及意义 1

1.2 国内外研究现状分析 2

1.2.1关于普惠金融理论的研究 2

1.2.2关于互联网供应链金融的研究 3

1.3 研究内容框架和研究方法 3

1.3.1研究内容框架 3

1.3.2研究方法 4

第2章 互联网供应链金融支持普惠金融发展的基本原理 5

2.1 互联网供应链金融理论 5

2.2 普惠金融理论 5

2.3 互联网供应链金融支持普惠金融发展的内容 6

2.3.1 互联网供应链金融支持普惠金融发展的含义 6

2.3.2 互联网供应链金融支持普惠金融发展的模式 6