Research On Financing Models Of Small And Medium Sized Enterprises In L Based On Supply Chain Finance

With the rapid development of China's SMEs,SMEs has become the backbone of China's economic growth.Because of SMEs's own characteristics,especially affected by the current economic slowdown in China,the financing and financing channels are particularly scarce.Under the impact of credit risk,in order to ensure the safety of their own funds,Financial institutions carefully select of lending targets,slow down the pace of lending,reduce the size of the loan.In this case,in order to solve the financing problem of SMEs,supply chain finance emerges.The supply chain finance concept combines ideas of traditional supply chain,supply chain of all enterprises as a whole,the SMEs,core enterprises,financial institutions,logistics enterprises closely together.Thus,supply chain finance makes the supply chain upstream and downstream enterprise funds mutual financing,provides the new path to alleviate the shortage of funds of SMEs.This paper first analyzes the characteristics of China's SMEs,and probes into the financing situation and the reasons,and then focuses on the analysis of the financing model of supply chain finance,aims to explore the realization mechanism of supply chain finance to solve the financing problems of SMEs,and the introduction of L for small and medium sized enterprises based on the supply chain financial success the case of financing,the detailed research,innovation and positive effect of the demonstration of the possibility of the financial model of the supply chain to ease the financing difficulties of small and medium-sized enterprises.And drawing the following conclusions:firstly,the financial model of the supply chain has the feasibility;secondly,the financial supply chain has a variety of models,and each has advantages;thirdly,flexible and targeted selection of supply chain financial model;fourth,the successful application of supply chain finance model cannot do without the risk prevention;fifth,application the financial model of the supply chain in our country has still many problems.Finally,based on the above research conclusion,the paper puts forward three main suggestions from the bank,the enterprise,the government:firstly,financial institutions reduce the cost of bank financing and the continuation of the link,to reduce the cost of financing small and micro enterprises;secondly,SMEs strengthen their overall strength and enhance their credit level;thirdly,government should create a good business environment for supply chain financing and provide excellent service to the participants.