Research About SME’s Commercial Bank Financing Under Supply Chain Financial Model

In China SMEs have played a very important role in promoting the sustained and rapid development, easing the employment pressure, stimulating domestic demand. However, because of the low credit rating, the lack of the mortgaged property and the asymmetric information between commercial bank and enterprises, financing has been the main problem as a constraint to its survival and development. Supply chain finance is a new financing model which is tailor-made by commercial banks to solve the SMEs financing problem. It is based on the perspective of the supply chain, through institutional innovation to make the core corporate and third party logistics corporate to share the risk of SMEs financing. It is an effective solution to solve SMEs financing difficulties in new ways, which is not only ease the financing plight of vulnerable corporate, but also bring the new profit model and the concept of context for commercial banks.This paper use a method of the combination of theory and practical case. From the start to finishing of the literatureuse of SMEs financing and supply chain finance, with detailed cases it analyzes and describes the concept, characteristics and financing model of supply chain finance. On this basis, it from SMEs, commercial banks, government to analyze the main problems in the status of SMEs financing in China and the developing status of financial services in commercial banks. Then it gives rise to the role of supply chain finance in promoting SMEs financing, and uses Logistic regression to establish supply chain finance credit risk evaluation models from a system perspective, and quantifies credit risk of supply chain finance in China with factor analysis. Finally, it develops specific countermeasures to solve the problems in commercial banks’ supply chain finance management for SMEs in China.