Study On The Model Of Supply Chain Financing For SME

With the rapid development of Chinese economy, the SMEs'have developed and expanded dramatically so that their business demand for funds has expanded as well. However, because of the slow-building of mercantile credit, the records of those SMEs'Regulate transactions and tax activities are not sufficient information and credibility, combined with the small size of enterprise, the lack of adequate financial institutions in line with the preferences of real estate collateral and access to credit loans. The commercial banks at the same time are bound by the legal system so they can not be put into the relationship-driven financing. As a result, the bottleneck of SME financing limits the speed of business development and product upgrading of the structure.In recent years, vigorously develop "to small and medium-sized enterprises of production, management and investment activities based on control of indirect financing business, including the chattel mortgage credit business and domestic credit, exit drawback custody loans, etc. These financing arrangements and enterprise logistics are closely associated to the periodic flow of funds; some people consider the financing arrangements as supply chain financing. Supply chain using market economy financing methods to deal with the problems of information and credit, and the problem of logistics flow, if used properly, the enterprise may improve the capital turnover several times. At the same time, helping solve the bank loan redundancy, logistics providers expand their business scope and enhance the competitiveness of enterprises.From the basic concepts of the supply chain, and raises the new method of supply chain financing, and analyzed the tripartite benefit exactly its existence basement, among logistics providers, bank, small and medium-sized enterprises, elaborated how to meet chain financing of its common interests, and how to realize the win-win situation of tripartite demand.Supply chain financing has its certain professional, so the paper introduced some financial instrument involved in the business, including the letter of credit, domestic letter of credit, bank guarantee, the commercial bills, etc. Because the traditional static warehouse pledge has certain limitations, in this paper adoption of domestic logistics business financing mode of supply chain is discussed, and according to the different modes of its own characteristics, the risk and risk control schemes are discussed in this paper. Finally, an example was simulated during actual operation, for more discussion with relevant practitioners, to contribute for the perfect of supply chain financing slightly.