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

Author

Listed:
  • Jie Zhang

    (North China Institute of Aerospace Engineering)

  • Yuehui Liu

    (North China Institute of Aerospace Engineering)

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.

Suggested Citation

  • Jie Zhang & Yuehui Liu, 2025. "Pooling factoring financing strategy based on the big data credit evaluation technology of B2B platform," Electronic Commerce Research, Springer, vol. 25(2), pages 987-1003, April.
    • Handle: RePEc:spr:elcore:v:25:y:2025:i:2:d:10.1007_s10660-023-09709-1
    DOI: 10.1007/s10660-023-09709-1
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    References listed on IDEAS

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    1. Margarita Protopappa-Sieke & Ralf W. Seifert, 2017. "Benefits of working capital sharing in supply chains," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 68(5), pages 521-532, May.
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