A Secure and Efficient Receivables Finance Model in Supply Chain Finance Environment

建構安全性暨高效率的帳款融資機制於供應鏈金融環境

蔡建華(Chien-Hua Tsai) ； 蘇品長(Pin-Chang Su)

《電子商務學報》 19卷2期 (2017/12) Pp. 177-203

https://doi.org/10.6188/JEB.2017.19(2).03

摘要

The use of information technology services has become increasingly popular with commercial applications over the past few years. Enterprises need to involve e-business activities in their business plans to enhance their competitiveness and realize the benefits in the increasingly competitive global economy. E-business not only has revolutionized the way companies conduct business, but also raises the relationship between buyers, supplier and their banks in the conduct of business processes. Small and medium-sized enterprises (SMEs) generally play a vital role of economic development, stability and prosperity in many countries. However, due to small size of firm and lack of market credibility for the SMEs as suppliers, it is a significant obstacle to obtain access to loans and financing from banks. For the sake of settling the matter, supply chain finance (SCF) yields a set of solutions that optimizes cash flow by allowing buyers to lengthen payment terms, while also providing bank finances to suppliers to get paid early throughout the supply chain. Moreover, in order to ensure the security of electronic services, an online collaborative platform in SCF has to provide a highly secure environment for transaction processing and information sharing between multiple parties. This paper presents an alternative scheme which uses elliptic curve cryptography (ECC) features to yield higher security and better performance for receivables finance in a SCF communication platform. Considering cybersecurity risks, we analyze the security scenarios and implement proper countermeasures against growing cyberthreats. Furthermore, our estimation results indicate that the proposed scheme can achieve excellent performance at significantly smaller parameters. With such an appropriate design, the scheme will certainly lead to more effective and efficient safeguards for SCF programmes.

關鍵字

Supply chain finance ； receivables finance ； elliptic curve cryptography ； cybersecurity

並列摘要

資訊科技在商業應用日益普及，企業必須以e化來強化競爭力，已是無可避免的趨勢。電子化企業正在全世界造成熱潮，不僅已徹底改變了企業經營模式，更強化了供應商與金融機構間的關係。弱勢的中小企業在世界各國經濟發展中扮演著重要的基石，卻因規模小、抵押品不足，導致融資取得不易。為了激活供應鏈的運轉，供應鏈金融（Supply chain finance, SCF）運用大企業的經濟規模優勢，解決中小企業融資不易的問題。本研究導入橢圓曲線密碼體制（Elliptic Curve Cryptography, ECC）技術，利用其快速運算和高困難度的特性，建構應用於供應鏈金融環境的帳款融資機制，除了能提昇帳款融資作業效率外，並能確保交易訊息及數位內容的安全，以營造一個安全有效率的電子化供應鏈金融環境。

並列關鍵字

供應鏈金融 ； 帳款融資 ； 橢圓曲線密碼體制 ； 網路安全

參考文獻

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