Study On The Development Of Small And Medium-Sized Enterprise Supply Chain Financing

For the steady development in economy,middle and small sized enterprises that have the equal position with big ones represent the major and indispensable factors.Though middle and small sized enterprises demonstrate their importance in social and economic development,the problems also appear gradually,especially in credit and loan.As a new financing model,supply chain financing integrates the related companies,which maintain the financing risk in union,in the chain and sets financing plan according to the industry characteristics and trade relationship.The supply chain financing not only helps form scale loan,but improves the competitiveness of supply chain,reduces bank risk,raises bank profit and enjoys a more fluent cash flow of the enterprise.Therefore,it plays an important role in reducing financing loan and forming supply chain economy.The author discusses the related theories,business model,factors and risks on the basis of current financing situation of middle and small sized enterprises.First,he analyses the commercial banks' characteristics and the financing situation of middle and small sized enterprise,demonstrating that supply chain not only provides effective financing channels but brings opportunities for commercial banks to develop.Second,he displays the issues that show in supply chain financing and points out the solutions.Third,he gives the systematical analysis in supply chain model and risk control on the account of real examples in Shandong Branch of Agricultural Bank of China.Finally,the author offer a proposal,hoping to improve the further development in commercial banks' financing for middle and small sized enterprises.