Study On Financing Problems Of Small And Medium-sized Enterpirses Based On The Mode Of Supply Chain Finance

Since thirty years of reform and opening up, small and medium-sized enterprises asthe true participants in China’s socialist market economy and the manifestation, it isundeniable in promoting economic growth and maintaining social stability. According tothe data show that, so far, the small and medium-sized enterprises occupy the absoluteadvantage not only in quantity, have very outstanding contribution and in the employment,increase revenue, promote technology innovation, speed up the process of marketizationetc.. However, in the traditional credit system, the financing problem of small andmedium-sized enterprises have already become the bottleneck restricting the developmentof. Because of asymmetric information, institutional barriers and small and medium-sizedenterprises defects, the banks in order to avoid risk, exclusion and SME Cooperationsubjective, leading to the financing of small and medium-sized enterprises without the door.For supply chain financing model is proposed under this background to solve the financingproblem of small and medium-sized enterprises of new ideas and new trends,And the traditional mode of financing to ratio, supply chain finance is more emphasison the stability of the whole supply chain and sustainability, it is based on the true tradebackground, find out the core enterprise in a supply chain system, and taking this as thecenter, to provide financial services for the upstream and downstream enterprises to survivein supply chain the. This package of financing options, can be effective funds into theupstream and downstream enterprises, so as to solve the financing problem, is conducive tothe long-term development of enterprises in the supply chain. The financing mode not onlyimproves the traditional bank credit financing concept, but also can promote the long-termeffective interaction between banks and enterprises, make the bank to get rid of the traditional business limited, re-examine the whole industry chain from the perspective ofhigher.This paper is divided into five chapters: the first chapter mainly describes and realisticsignificance of the research background of this paper, the supply chain finance at home andabroad literature review; the second chapter mainly introduces the supply chain financeconcept, characteristics and related theories, and put forward the realization mechanism ofbusiness model in the third chapter of genesis; analysis of the financing difficulties of smalland medium-sized enterprises, three aspects of demand from the small and medium-sizedenterprise financing channels innovation needs, business model of bank financial serviceinnovation and demand of logistics enterprise service innovation to explain the supplychain financing feasibility, and through the supply chain financial participation gameanalysis between the confirmed this model in commercial bank willing to credit; the fourthchapter mainly introduces the development of supply chain finance at home and abroad,and analyzes our country small and medium-sized enterprise supply chain financing theoperation mode of the case; the fifth chapter in the system risk and non-system riskanalysis of supply chain finance, proposed the corresponding risk guard countermeasure.