SME Financing Model And Credit Risk Assessment Based On Supply Chain Finance

In today's booming market economy,the development of Small and medium-sized enterprises in China is there for all to see,This development is reflected not only a sharp increase in the number,but also in the industry,the overall rise in various fields,However,the development of SMEs in China is not so easy,complicated market environment coupled with the limitations of their own development,most of the commercial Banks in our country holds negative attitude for small and medium-sized enterprise loan,loan threshold is very high at the same time,the approval process is long and tedious,small and medium-sized enterprise financing difficult problem of common concern to become a social problems.Under such a circumstance,supply chain finance this innovative financing model came into being,it is a good solution for financing difficulties of SMEs.But it is worth noting that the supply chain financing mode in the actual operation often faced with the threat of credit risk is an indisputable fact,Therefore,how to effectively avoid credit risk in the premise,to ensure the effective and smooth operation of the supply chain financing is a important field of academic research.This article first elaborated the Theoretical basis of supply chain finance and compare similarities and differences between logistics and finance,By comparison with the traditional financing model and the financial model of the supply chain,thought that the financial model of the supply chain there were new characteristics;Then did a Comparative analysis in both internal and external supply chain financing mode,proposed the ways of both internal and external supply chain financing mode in SME suppliers angle;Followed by the establishment of financing under the premise of credit risk evaluation index system of supply chain,through the establishment of empirical model and case Logistic analysis to measure compliance from empirical probability of loan financing for SMEs in the process of financing;Finally,the countermeasures and Suggestions to avoid the supply chain financing credit risk was proposed.