Supply Chain Financing Problem Research

In the global financial turmoil, China’s small and medium-sized enterprise’s survival condition caused the wide attention of social all circles, especially the problem of financing is becoming the focus of attention. Supply chain financing business is the commercial banks to meet the needs of enterprise supply chain management innovation and development of financial products, is the core concept of the core enterprise supply chain credit radiation, reducing downstream on the SME loan risk, to alleviate the financing of small and medium-sized enterprises the purpose of the demand, so as to realize the whole supply chain cost minimum and maximum value to change. Supply chain finance breaks through the traditional financing business credit rating, mortgage or pledge, approval process and other aspects, the customer access to lower the threshold, design flexibility, wide applicable range, to support the development of small and medium-sized enterprises has important significance.This paper based on the current domestic small and medium-sized enterprises face financing dilemma and the causes were analyzed, puts forward the supply chain financing background and present situation of supply chain financing, the concept, characteristics and main body participation are introduced. The systematic analysis of the pledge of movables pledge of accounts receivable financing mode, financing mode, financing mode confirmed warehouse three main business mode of operation principle, through with the traditional financing model comparison, summed up the supply chain finance business unique risk characteristic, put forward the corresponding risk control strategy, and briefly discusses the supply chain finance business in the introduction of guarantee company risk sharing function. And then on the ZB supplier supply chain financing application cases were analyzed, discussed " ZB easy credit" supply chain financing product innovation value. On commercial bank’s value, supply chain finance business in the marketing model and risk control aspects of innovation, but also for their expanding business channels and customer resources. To the small and medium-sized enterprise value, successfully resolved the lack of small and medium-sized enterprises collateral financing respect such as inherent defect. While the core of enterprises because of the whole supply chain competitiveness, become one of the biggest beneficiaries. Commercial Bank Based on the core enterprise credit to SMEs credit support, with the core enterprises and to build information platform for transactions in real-time monitoring, introduced in third party logistics enterprises, guarantee risk sharing, commercial bank, core enterprises, small and medium-sized enterprises and third party logistics, security enterprise square win-win.Finally, supply chain finance business as a new financing mode, solve the financing of SMEs in the troubled bank has long been the information asymmetry and the mortgage guarantee insufficient problem, to solve the financing difficulties of SMEs in China provides new method and train of thought, can further promote the use of. And for the promotion of supply chain financing for the rapid development of business, in addition to solve supply chain financing to develop the main problem that face, also need to rely on the optimization of industrial cluster, innovative financial products and establish effective incentive mechanism and other measures form breach.