The Research Of Supply Chain Loans’ Business For SMEs

Supply chain loans are in the ascendant in China. The current supply chain finance’sresearch is mainly concentrating on the supply chain guaranteed loans. On the contrary,supply chain fiduciary loans’ problems are seldom involved. On the background offinancial system reform, the industrial chain integration, industrial park and new-hightechnology park construction, studying the development of commercial bank supply chainloans business is significant to solve the SME financing problems.On the perspective of supply chain finance, this article defines the concept and basicelements for supply chain loans. Focus on SME financing problems and use relevanttheories to find supply chain finance relevant tools. In general the paper frames two supplychain loans research directions. One is supply chain guaranteed loans direction, supplychain fiduciary loans direction is another.Through model analysis, qualitative analysis andquantitative analysis method, the paper demonstrates the advantages and applicationcondition of guaranteed loan business model and then explores the meaning to improvecredit relations between SMEs and commercial banks where the chain-group lendingfunctioning.