The Research On Supply Chain Financing Difficulties Of Small And Medium-sized Enterprises

Supply Chain Finance is a financial innovation business, which is to rationalize the supply chain on the upstream and downstream enterprise information flow, logistics, fund flow on the basis of a stable regulatory receivables, payables and cash flow.It is intergrate the informating of the bank funds flow and the enterprise logistics information flow. Finally,the bank provides financing and settlement services to the enterprises in the supply chain integration integrated financial services business.Supply chain finance is not only to achieve the benefits of the optimization of the financing relationship between the parties.It provides better solutions to SMEs which have financing difficulties and technical bottlenecks.At the same time, supply chain fiance broadens the target customers as well as has brought new profit model Supply chain finance which is relying on the core enterprise downstream SMEs provides joint responsibility to ensure the guarantee or the difference between responsibility. Supply chain finance can control warehousing and logistics company supplies which directly helps to reduce the credit risk of banks financial institutions and enhances the bank’s core competitiveness. It is also fully proved that the supply chain finance business could be the gold business which pay the great efforts to develop at present and in the fufure.The article focus as on the supply chain finance researches at home and abroad in recent years.It begins a complete supply chain business model, explanies why the competition between modern enterprises which transforme the initial units in direct competition model into a single enterprise, which must be closely focused on the supply chain. The business model is that a complete supply chain of competitive mode in order to gain an advantage at the supply chain.The article also elaborates the downstream SMEs why relying on the core enterprise in supply chain, why it is relative to the core enterprise in a disadvantaged position in the supply chain; and why the whole supply chain due to the weak position of SMEs, transferred to the funding gap by core enterprise on the downstream SME external financing, and ultimately by the upstream and downstream SMEs.The writer works in the Credit Review Department of Chengdu Branch of Industrial Bank and who contacts more small and medium-sized enterprise in his daily work.He understands why SMEs loan is difficult problem, he also knows the supply chain finance business which is an effective solution to the SME loan difficult.It increases loans to small and medium enterprises through effective means of rate.The article is based on the iron and steel industry, which introduces the whole steel industry, how to exist, the downstream operation, how to carry out the supply chain finance business.It also recommends the specific business varieties, chain finance in the process and how to use the corresponding business varieties to solve the SME financing gap.It solves the small and medium-sized enterprises the problem of the lack of effective guarantees for bank approved.In this paper. The writer has provided two SME loan customers who adjust loan scheme to carry out the supply chain finance business financing mode, finally obtain bank loans in the case.The article will give the readers more intuitionistic understanding of the function and the significance of development of supply chain finance.