Commercial Banks' Approach To Small-micro Enterprises' Financing Constraints:from The Perspective Of Supply Chain Financing Model

At present,the small and small enterprises in China are the basic components of large ones,have contributed to the development of China's people's livelihood and economic construction.However,the short or no more supply in capital chain affects their normal operation;the supply from external financing sources is more serious.The financing model of supply chain stakeholders,through the real trading information for credit risk assessment,has potential in effectively promoting small micro enterprise financing,and at the same time in reducing supply chain operating costs and bank credit risk.This paper will start with the definition of supply chain finance and small and micro businesses,according to Chinese present situation of small and micro businesses,based on supply chain finance theory at home and abroad,elaborates onthe connotation,advantages of supply chain finance and the various financing mode.To analyze each part of the supply chain enterprises in the enterprise and the user is the core of the supply chain because of the incentive and restraint theory and caused a large number of receivables and prepayments to downstream,the actual operation of the supply chain finance brings the possibility and development convenience;then the main financing mode of supply chain finance and the innovative online financing mode based on supply chain are analyzed,and based on the Ping An Bank as the representative of the joint-stock banks have characteristics of different financing modes are described,for analysis of the case,and the relevant data obtained by industry survey.Through the case study results show that in the theoretical model,Small and micro businesses can give full play to its internal industrial chain production force,while the use of credit effect at the core of large enterprises,actively seek external financing conditions for themselves,effectively alleviate the pressure of business operations.The current and future quite a long time,supply chain finance financing model and related derivatives will be the main financing,small micro enterprise of the related products of the joint-stock Banks is based on the real transaction chain data to master,to tailor the small micro enterprise financing products and design.By studying the financing mode of supply chain,this paper concludes that this model can adapt to small and micro enterprises' financing and promote the financing of small and micro enterprises.And by introducing the latest Internet model,the products are more abundant,making the research of the paper more forward-looking.Supply chain finance not only reduces the credit risk of the bank,improves the bank's income,but also becomes an important way to solve the financing difficulties of small and micro enterprises in China,and the future development prospect is very broad.