A Study On The Financing Problem Of "Internet + Supply Chain" In Small And Medium - Sized Enterprises

SMEs are an important pillar of national economic development and social stability. In promoting the sustained and rapid development of the national economy 、 employment 、 tax and new product development, it plays a very important role. In recent years, affected by the economic restructuring, the world economic recovery is weak. In addition, because of other factors the development of small and medium enterprises have been affected. The development of small and medium sized enterprises still faces many difficulties, and the financing difficulty has become the main obstacle to the survival and development of small and medium-sized enterprises. The information asymmetry between banks and enterprises caused by unbalanced credit rationing is the main cause of SME financing. So supply chain financing is proposed and applied to ease the financing difficulties of small and medium-sized enterprises.With the continuous development of social production, social division is also increasing. With the enterprises to seek for cost minimization and the implementation of global outsourcing, the supply chain came into being. With the continuous expansion of international trade and the continuous progress of science and technology, social division expanded from the production stage to the whole value chain, production division of labor developed into the industry division of labor.Competition is not only exist between enterprises, also exists in the supply chain.Each enterprise in the supply chain is mutually dependent on the other, so the enterprises in the supply chain pay more and more attention to the supply chain management, then reduce the running cost of the whole supply chain, and improve the competitiveness of the whole supply chain.Supply chain finance is extended from supply chain management. From the bank’s point of view, in order to reduce credit risk that resulted from asymmetric information between banks and enterprises banks in supply chain. The bank integrated supply chain flows 、 information flow and goods information, to provide financing services to all the links in the supply chain of enterprise. With the rapid development of the Internet economy, the emerging Internet companies own advantages in developing supply chain financing model. Jingdong and Ali as the representative of the electricity supplier, get rapid development in innovation of supply chain finance product.Through the traditional mode of supply chain financing to solve the financing problem, Small and medium-sized enterprises has some limitations in the practical application. Compared to the Internet plus supply chain financing mode, it has no the cost and efficiency advantages. Internet supply chain financial services model not only get the favor of the electricity supplier, but also get the attention of the government sector. Small and medium enterprises through the Internet supply chain channels have an advantage in financing efficiency and financing costs. With the supervision departments to establish order and legal system to regulate, Internet financial supply chain industry will develop healthily and orderly. In this paper, we will explore the causes of the financing difficulties of small and medium-sized enterprises and explore how to effectively solve the financing difficulties of small and medium-sized enterprises. We also will anelyze How to choose and apply the supply chain financing model for small enterprises and medium-sized enterprises.