Research on credit line of supply chain enterprises based on data sharing

Abstract

Based on the deficiencies of the existing research on the credit line of supply chain enterprises, this paper taking data sharing as research perspective, established the credit model of supply chain enterprises using data sharing. Through the case study of L Corporation Group, it is found that: 1) the supply chain can integrate information advantages, increase credit line and reduce financing costs; 2) the credit line of supply chain enterprises raises with the increase of data sharing degree; 3) the existing credit models of the banks are conservative, the actual credit line of enterprises is insufficient. The credit model constructed in the paper fully considers the effects of data sharing of related transactions between enterprises on the credit line in the context of supply chain, which can provide ideas for realizing the win-win situation of maximizing the financing scale of supply chain enterprises and minimizing the risk of banks.