Development And Countermeasures Of Supply Chain Financing Service For Small And Medium - Sized Enterprises In China

Small and medium enterprises(SMEs) have become the most important power in the development of our society and economy. But the difficulty of SMEs finance has hampered our country’s sustained economic and social development. SMEs’small scale, weak fund ability, less real estate and not standardized corporate governance structure, financial system, management system made SMEs hard to get loan or finance from any bank. Even many SMEs faced with a situation of bankruptcy.Now the banks are facing the bottleneck of development. More and more banks are turning out, so the competition among banks is unusually intensive. For the safety banks intend to look for ’big enterprise’ and ’big program’. Under the premise of limited resources, it caused that the target market is highly overlapped. The competition among banks has become a low-level ecosphere of a price competition and a personal connection competition.Supply chain financing product greatly eases the contradiction and provide a new thought for the development of SMEs finance and bank profit. Supply chain finance pays more attention on the authenticity of the trade background and the risk of whole supply chain. The core enterprise provides jointly guarantee responsibility to make SMEs get finance.The article, on the basis of supply chain finance meanings and characteristics, enumerates three models by charts and examples. Horizontally and vertically compared with our country and other countries supply chain finance, put forward the factors restricting the development of supply chain finance. Finally from the bank’s point of view, put forward definite advice for supply chain finance from five key links in banks.