Research On Small And Medium-Sized Enterprises Based On Supply Chain Finance

In recent years, Small and medium-sized enterprises(SMEs) have an important role in the development of the national economy and promoting social stability. SMEs develop quickly and play an important role in stable growth, adjusting structure, benefiting the livelihood of the people. At present, the industry is increasingly competitive at home and abroad. The long-term contradictions of SMEs have became highlighted, also they are under severe pressure and challenges. Supply chain finance(SCF) is a new type of financing modes in recent years. Different from the traditional credit business, SCF is a mode that the bank connects core enterprise with upstream and downstream enterprises to provide financial products and services. SCF can effectively relieve the small and medium-sized enterprises difficult financing problem.From the perspective of supply chain finance credit risk evaluation, the key to the article is the construction of SMEs based on supply chain financial evaluation index system of credit risk. First this paper analyses the present situation of financing of small and medium-sized enterprises in our country, describes the background of supply chain finance. Based on the definition of the SMEs, the paper finds out the main causes of financing difficulties of SMEs, and leads to a new type of financing model that will solve the financing difficulties of SMEs, supply chain finance. In detail elaborated the definition and characteristics of supply chain finance and on the basis of research results at home and abroad, the advantage of SCF also is clarified. Secondly, this paper gives the framework of supply chain financial participants. In the ecological system of supply chain finance, bank treats the core enterprise as the risk control point, and then provides money for the upstream and downstream enterprises. Combining subject ratings and debt ratings, the supply chain finance credit risk evaluation system is established, and the system is divided into two parts,SMEs and core enterprise. Then the paper builds up the credit risk evaluation system of the core enterprise in the supply chain finance, and uses neural network model and data simulation to test the system. Finally, this paper builds the SMEs credit risk evaluation system and use the BP neural network model to test the supply chain financial evaluation method. Therefore, banks need to solve the practical problem about supply chain finance risks.Through the final data of simulation verification, the credit risk evaluation index system of SMEs in supply chain finance can improve the credit rating of SMEs. Due to the increase of credit rating, banks are willing to provide financing for SMEs, and solve the SMEs difficult financing problem.