Financing Delivery Strategy And Financial Assessment System Under The Credit Pattern Of Financing Warehouse

With the rapid development of medium and small-sized enterprises (SME) of China in recent years, financial bottlenecks have increasingly become prominent, and financing is becoming a difficult problem generally faced with the medium and small-sized enterprises. Credit financing pattern of financing warehouse is a new financing pattern specializes on Small-Middle Enterprise. It not only effectively brings the capital flow to supply chain management, but also offers new types of loan & financing services for inferior enterprises. Thus, doing a system research to the credit pattern of financing warehouse and revealing the financing delivery strategy of suppliers and impact of suppliers financing by warehouse financing financial assessment system. Improving the credit financing capacity of suppliers is of great significance.Started from the credit financing pattern of financing warehouse, this article analyses the financing system under permissible delay in payments among upstream supplier enterprises, the third-party financing warehouses, manufacturers and banks. Based on the financial system, this research mainly studies the financing optimal delivery strategy of suppliers and warehouse financing financial assessment system and is composed of four parts. Firstly, part one analyses current situation of supply chain finance, and functions and core meanings of them are also revealed. Secondly, in part two, first of all analyze the financing warehouse pattern, and then focus on the development situation, problems faced as well as the solutions. In part three, the operation mechanism of the pattern of financing warehouse has been studied. Using of the delay in payment model in credit pattern of financing warehouses is analyzed followed by models respectively from the optimal costs of suppliers and the maximum amount of financing limit. What is more, further analysis is made towards the impact of the financing warehouse storage costs parameters to the financing delivery strategies for suppliers. Last but not least, in part four, credit risk factors and preventive measures of credit risk are mainly analyzed. Subsequently, a four-layer financing warehouse financial assessment system is established where the credit integration and refinancing is accomplished by financing warehouse. With approaches of AHP, the weights of different indexes are worked out respectively according to the different impacts which the financial indexes have on the financial assessment system, whose functions as a reference to warehouse financing. The system comprehensive evaluate financial situation of the supply chain enterprises,strengthen wishes for providing a loan and enhancing the credit capacity of SMEs..This research is an applied research about credit pattern of financing warehouse, while the content has its own innovation and applicability in practice definitely. So, it is expected to offer some ideas for improving SME's financing puzzle dom.