Pooling factoring financing strategy based on the big data credit evaluation technology of B2B platform

Jie Zhang () and Yuehui Liu ()
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Jie Zhang: North China Institute of Aerospace Engineering
Yuehui Liu: North China Institute of Aerospace Engineering

Electronic Commerce Research, 2025, vol. 25, issue 2, No 11, 987-1003

Abstract: Abstract Based on the concept of credit community and big data credit evaluation technology of the B2B platform and considering the indivisibility of accounts receivable in supply chain factoring financing, this study designs the pooling factoring financing operation mode and process for a supply chain, constructs a financial cost model of pooling factoring financing, and analyzes enterprises’ selection of the optimal financing strategy under the pooling factoring financing mode. Furthermore, the study examines the effects of pooling factoring financing on financing cost and the default risk control of financing object through a numerical example. The study concludes that pooling factoring financing reduces the volatility of expected financing demand, thereby lowering the expected financing amount and corresponding financing costs. Furthermore, pooling factoring financing expands the application scope of factoring. This approach will enable small and medium-sized enterprises to acquire financing through more convenient channels and at more reasonable prices.

Keywords: Pooling factoring financing; B2B platform; SMEs; Big data credit evaluation (search for similar items in EconPapers)
Date: 2025
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DOI: 10.1007/s10660-023-09709-1

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