Financing Models Analysis Of Small And Medium Enterprise Based On Supply Chain

Financing difficulties of small and medium enterprise (SME) has given rise to the relevant departments and enterprises of the country's attention. Economic crisis constitute a significant impact on SMEs, now SMEs are facing financing and getting loans difficulties. China's "Eleventh Five-Year" Plan (2006-2010) to accelerate the transformation of the way to achieve economic development as the "Eleventh Five-Year" main line of economic work, while the supply chain production model of development is one of the basic content of economic development mode change, Supply Chain Finance (SCF) to small and medium enterprises market-oriented, trying to make up for a wide range exists in the SME financing gap, small and medium enterprises financing difficulties breaking an effective way. Based on supply chain finance, financing models, commercial banks, logistics companies and supply chain upstream and downstream of mutual cooperation for SMEs is a new financing model. Supply chain financing is for the coordination of the supply chain, cash flow, reduce the overall cost of the supply chain to provide the systemic financial financing options.The article is based on the research of SME financing models of supply chain, focusing on the advance financing, chattel mortgage financing and accounts receivable financing models analysis. Thesis is divided into six parts. The first section reviews SME financing background, purpose and meaning, as well as the research ideas and methods. The second part mainly discusses the development of supply chain and supply chain financing at home and abroad, and theoretical analyzes the supply chain management background and current status. The third part defines and summarizes the supply chain & supply chain financing firstly, then analyzes the supply chain's characters. Its emphasis on describing the background, reason and advantage of supply chain financing generated. The forth part is to find out the SME financing difficulties by analyzing the SME financing status quo. Finally,The sixth part analyzes the cases concerning about the Guangdong Yonghua Iron and Steel CO., LTD, Anshan Iron and Steel Group and Weichuangli Computer (Zhuhai)CO.,LTD jointly launched the supply chain financing case. Focused on analyzing feasibility of the Guangdong Yonghua Iron & Steel Co., Ltd which is a small business, financing from Shenzhen Development Bank according the inventory and accounts receivable. And proposes possible effective SME financing proposals. Thesis based on theoretical research and case studies, get the conclusion:In the case of small and medium enterprises financing difficulties, supply chain financing services business will likely become China's small and medium enterprises'one of important financing means.