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Wenshang Pioneer Loan: Case of JD Rural Supply Chain Finance

In: Inclusive Finance in China

Author

Listed:
  • 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)

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.

Suggested Citation

  • Congyi Ju & Xinyu Chen & Yangrui Li & Zuo Wang & Wenzhao Tong, 2021. "Wenshang Pioneer Loan: Case of JD Rural Supply Chain Finance," Springer Books, in: Yan Li & Lin Wang (ed.), Inclusive Finance in China, chapter 0, pages 289-317, Springer.
    • Handle: RePEc:spr:sprchp:978-981-16-1788-1_8
    DOI: 10.1007/978-981-16-1788-1_8
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