Rapid economic development has brought about the expansion of the supply chain. In the context of the demand for finance and emerging financial technology tools, supply chain finance on e-commerce platforms is developing rapidly. It not only strengthens the ability to serve the real economy, but also brings market risks caused by excessive supply chains. In the Internet era, IoT technology promotes the exchange of information, while it also has certain risk characteristics. This research implements the peaks over threshold (POT) model to investigate the value at risk (VaR) and expected loss (ES) in the supply chain of e-commerce platforms under the risk of unexpected changes in the market. The study finds that the supply chain of e-commerce platforms based on Internet of Things (IoT) technology suffers less risk in losses. The application and expansion of this technology will effectively lower the market risk of supply chain finance and better serve economic development.

经济的飞速发展带来了供应链的扩展。在对金融和新兴金融技术工具的需求的背景下，电子商务平台上的供应链金融正在迅速发展。它不仅增强了为实体经济服务的能力，而且还带来了因供应链过多而引起的市场风险。在互联网时代，物联网技术促进了信息交换，同时也具有一定的风险特征。这项研究实现了峰值阈值（POT）模型，以研究在市场发生意外变化的风险下电子商务平台供应链中的风险价值（VaR）和预期损失（ES）。研究发现，基于物联网（IoT）技术的电子商务平台的供应链遭受损失的风险较小。