Cooperation Model Of Supply Chain Finance For Minor Enterprises

During the rainy days of financing for minor enterprises, kinds of new methods, new models, new tools and even new markets emerge because of demand. In market economy, to maximize profits for the enterprise is still the mainstream. At the problem of financing for minor enterprises, everyone is in pursuit of their own interests and parties. However, because of asymmetric information, it is very difficult to meet everyone's benefits. which is an objective obstacle to solve the financing problem. This article aims to eliminate adverse selection and ethical risks effectively, and realize the loan target with low risks and high benefits.Under that background, the new thought, cooperation model of supply chain is raised to solve financing problem of minor enterprises. By comparing all kinds of financing methods, as a effective way,"1 + N" service mode of Supply Chain Finance is encouraged. Based on this model, learning from the cooperative third-party logistics, cooperation model of supply chain finance for minor enterprises come into being. This new kind of model is characterized by combination of credit and profits. The details of logical framework are: First of all, supported by basic concepts and theory, starting with studying various financing methods, taking solving the financing problem of minor enterprises as standards, we had to promise that"1 + N" service mode of Supply Chain Finance is not only effective, but also exists drawbacks. Taking the cooperative third-party logistics for reference, we discuss the feasibility of cooperation model of supply chain finance. And then, begin to design this model from the system angle: Determine the main principals of choosing minor enterprises involved, offering basis to select qualified ones; Take game theory as a tool, analyze the returns from different economic behavior for involved or potential enterprises; Restrict and distribute the benefits reasonably to make sure cooperation model of supply chain finance operate normally. Finally, verify the effectiveness of the model built from the aspect of accounting, and put forward some targeted suggestions.The running of cooperation model of supply chain finance, prove that it is a effective financing way to solve financing problem of minor enterprises. This model not only provides a feasible new thought, reduce the credit risk, but also consolidate the interests relationship among the enterprises involved, at the same time, set the foundation of development for minor firms. But it also must be recognized that the running of the model needs support of government policy, improvement of managing capability, and strengthening external supervision. Only with all aspects of coordination, can offer support for the running of cooperation model of supply chain finance, can solve the financing problem of minor enterprises truly.