The Reaserch Of SMEs’ Financing Models And Credit Risk Based On Supply Chain Finance

As a whole in the current economic environment, SMEs in the national economy is more and more important, has become a pillar of the national economy, which makes the problem of financing SMEs has become increasingly prominent, must be resolved. Over the years various solutions emerging, but the emergence of the financing model of supply chain finance is a new way of thinking,to break the plight of SME financing. Due to the chain structure of the supply chain, not only small and medium-sized finance companies to obtain financing to solve difficulties, and other cooperative on the main chain are different degrees to obtain benefits, which is also the nature reason of the development of supply chain finance financing model. Along with the supply chain financing model developed, small and medium-sized finance companies need to stand on the point of view of the entire supply chain, to consider the choice of financing mode which is a fast, low-cost way to raise funds. Meanwhile, banks and other financial institutions need to consider the various risks in facing the lending process, especially small and medium-sized enterprise credit risk financing.In this paper, the connotation of supply chain finance and characteristics and the small and medium-sized enterprise financing predicament of supply chain finance research of three basic financing mode and the existing various risk; secondly the paper mainly analyses the three financing mode operation mechanism and financing existing in the course of various risk; then mainly introduces the small and medium-sized enterprises based on supply chain finance credit risk, the causes and characteristics, based on Logistic model of supply chain finance credit risk empirical model, combine the actual enterprise status of credit risk evaluation can give credit to reduce bank capital losses, take this to strengthen supply chain finance credit risk prevention capacity; finally respectively from the government level and Banks and other financial institutions level corresponding credit risk countermeasures and Suggestions.After a series of above research analysis, this paper’s research conclusion is:in the face of small and medium-sized enterprise financing problem, based on the supply chain finance financing mode is the optimal choice. Through careful introduces three financing mode and the mode of operation of the operating mechanism, and analyzes their concomitant risk characteristics, in the small and medium-sized enterprise to solve their financing difficulties,small and medium-sized enterprises can according to their own operating status and choose to suit their own financing mode, and maximum possible for bank lending amount, at the same time in Banks and other financial institutions level, to expand the intermediate business at the same time, reduce the risk of facing. And the bank risk evaluation, the main consideration credit risks, how to reduce the credit risks even in advance to prevent? It is a bank’s first consideration. This paper chooses Logistic empirical model building supply chain finance credit risk evaluation model, which will for banks in control supply chain finance credit risks have great help. Through the research and analysis, relevant suggestions and measures for the development of supply chain finance later is very necessary.