Research On Supply Chain Financing Model Based On Small And Medium Sized Enterprises

Since twenty-first Century, the rapid development and expansion of SMEs, has become promote an important force of the development of national economy. However, the small and medium-sized enterprise’s relatively low credit level make financing become the bottleneck for further development. With the rise and development of supply chain management, supply chain finance become a new financing way of small and medium-sized enterprises, and it has been accepted and applied by more and more small and medium-sized enterprise. This new financing mode need the totally cooperate of commercial bank, logistics company, the core enterprise of supply chain and small and medium enterprises and other market participants, and keep the unobstructed information exchange. When the Commercial banks innovate in financial, they should combine Chinese entity economy circumstance and the development situation of financial business, the Chinese small and medium-sized enterprise supply chain financing products must meet the business needs, to seek truth from facts, enhances the financial funds and the efficiency of financial resource allocation.This paper base on the theoretical research of supply chain and the supply chain finance, analysis the financing difficulties of small and medium-sized enterprises causes, and summarizes the suitable financing modes for small and medium enterprises, Mainly contain:supply chain financing dominant by logistics enterprises modes, supply chain financing dominant by commercial bank, supply chain financing dominant by suppliers mode, supply chain financing dominant by the manufacturer modes, supply chain financing dominant by the vendor dominant modes. In the analysis, the empirical analysis and literature analysis are combined with each other, to comprehensive supply chain financial characteristics. Supply chain finance as a financial innovation product, the operation to commercial banks is a risk; this paper gives the principle of financial innovation activities and financial risk control methods which should be followed. though the implementation of those principles and methods can control the risk in a reasonable scope.Domestic and international practice has proved, supply chain finance can effectively alleviate small and medium-sized enterprise’s funds constrained problem in the production and operation process. This paper hope can provide relevant ideas for the commercial banks in the innovative design of supply chain finance products, so that the supply chain finance products can provide better services for SMEs, achieve a win-win situation.