Wenshang Pioneer Loan: Case of JD Rural Supply Chain Finance

Congyi Ju (), Xinyu Chen (), Yangrui Li (), Zuo Wang () and Wenzhao Tong ()
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Congyi Ju: Renmin University of China
Xinyu Chen: Renmin University of China
Yangrui Li: Renmin University of China
Zuo Wang: Renmin University of China
Wenzhao Tong: Renmin University of China

Chapter Chapter 8 in Inclusive Finance in China, 2021, pp 289-317 from Springer

Abstract: Abstract Wenshang Pioneer Loan is a part of “JD Agricultural Loan – Pioneer Loan”, the second program of JD Finance in rural supply chain finance. Targeting the production and supply chain of field grain crops in Shandong area, this program cooperates with the core enterprise Shandong Daliang Company to realize the service model of e-commerce + supply chain finance. As demonstrated by the data and experience accumulated by the program within a production cycle and a loan cycle, e-commerce can depend on the core enterprise to significantly lower its business cost to enter the sector of rural finance; and supply chain finance can help farmers lower their operating risks and further control the credit default risks based on the involvement in the whole process of production and operation, quality control and the support of marketing. However, further exploration and improvement are needed to give full play to the e-commerce platform in expanding the market of the grain crops supply chain, and to further make use of digital information technology to participate the whole credit process.

Date: 2021
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DOI: 10.1007/978-981-16-1788-1_8

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