Research On Financing Risk Management Of Supply Chain In Small And Medium - Sized Enterprises

In the increasingly fierce competition today, the competition among enterprises has changed, changed from single enterprise competition to supply chain competition, as a famous British supply chain management expert Martin Christopher first proposed that competition has changed from the mutual competition between enterprises to the level of competition between supply chains. To maintain or improve the competitiveness of the whole supply chain in the increasingly intense competition, we need to solve small and medium sized enterprises’ financing problem in the same supply chain, to make efficient use of the idle resources in whole supply chain. In the background of the transformation of the main competition, supply chain financing to solve the financing difficulty of small and medium-sized enterprises as one of the solutions emerge as the times require.Supply chain financing although originated in trade financing, but there is a big difference in risk control, financing risk, financing products, to carry out specific analysis. From the current supply chain finance business in the bank’s development situation, the main problems as follows:the distribution of risk control system in the supply chain financing industry is relatively concentrated, and the supply chain financing related legal and regulatory measures are not perfect, imperfect supply chain financing, supply chain financing credit system is not reasonable, the lack of supply chain finance information sharing platform. These problems make the commercial banks in the supply chain financing business facing greater potential risk. In the condition of capital flow, information flow and logistics flow become improvement, financing risk has shown new features, depending on the risk rating of traditional methods has been unable to meet the needs of supply chain financing risk control. Facing the characteristics under the new business model, risk control measures are more in line with the needs of the new pattern. This paper analyzed and explained the relevant concepts and theories and supply chain financing, the three basic financing model of Supply Chain Financing:prepaid financing mode, inventory financing, accounts receivable financing mode. The paper tries to objectively reveal the main risk points and significance of the commercial banks in the development of supply chain financing services for middle and small enterprises, so as to provide some useful ideas for its application in real life, provide an effective way to improve the financing difficulties of SMEs in china.