Commercial Banks SME Supply Chain Financing Model And Risk Measures Of Prevention And Control

SMEs as the most extensive economic entities, not only to solve a large number of the employed population, and changes in the form of a flexible economy, is the most potential and dynamic economy, in the development of SMEs, the financing difficulties limit its scale, improve technology, making it difficult to achieve a breakthrough, is not optimistic. The reason why it is difficult to get bank credit, mainly because of their lack of collateral, financial management is not standardized, low credit rating. And can not get financing, they shape the process of change in the business, the vast majority will gradually die out, which is the development of China’s macro economy is very unfavorable. So, to solve the problem of financing SMEs has become an issue of common concern of the whole society. Many current commercial bank, launched a supply chain finance, for the financing of many supply chain upstream and downstream enterprises, to find a new solution. In order to promote their development in the business, commercial banks need to continuously upgrade the level of risk prevention and control. Only the interests of the banks is guaranteed, in order to provide it with more power to develop, innovation in this business.This paper is divided into five parts, the first chapter, introduction, background this part of the SME supply chain financing, reviewed research, methods and content of the analysis, to lay the foundation for future research. The second chapter studies the theoretical basis. This part of the concept of supply chain financing, characteristics, financing patterns and the significance of the development of supply chain financing described. The third chapter, the SME supply chain financing risk analysis. This section analyzes the financial risks of the business, combined with specific examples depth analysis. Chapter IV, risk assessment for SMEs and the prevention and control of supply chain financing. This part of the supply chain financing risk assessment system provides an overview of proposed risk control measures supply chain financing. The fifth chapter, the conclusion of the first four chapters of this part of the article summarizes, on this basis, the paper points out the shortcomings.