Study On The Optimization Of Supply Chain Financing Scheme For Small And Medium-sized Enterprises In China Guangfa Bank

Since 2010,the development rate of commercial bank business in China has slowed down,the scale of credit business has been restricted by supervision,the competition among the same industry is also becoming fierce,and the supply chain financing has begun to spring up among commercial banks in our country.Since 2013,affected by macroeconomic downturn and Shanghai steel trade and other major risk events,supply chain financing business has been exposed to various problems,especially the supply chain financing business of small and medium-sized enterprises(SMEs).SMEs credit is a business area of high-risk,facing a depressed market environment,commercial banks should not only give sufficient financing support to enterprises,but also effectively control the risks,which is still a difficult problem.Through expounding the development of supply chain financing at home and abroad,this paper clarify the basic ideas and direction of domestic commercial banks to develop SMEs supply chain financing.China Guangfa Bank is one of the few commercial banks serving SMEs in China.This paper will analyze the supply chain financing situation of SMEs of China Guangfa Bank,including the basic situation of the company,the product system,the operation mode and so on and finds out the problems existing in the supply chain financing of SMEs of China Guangfa Bank,and deeply research and analyzes the real causes of its emergence.By combining the analysis,research and summary of supply chain financing at home and abroad,this paper puts forward the optimized scheme of SMEs supply chain financing in the hope of providing practical suggestions for the development of SMEs supply chain financing business of China Guangfa Bank,and providing reference to the development of SMEs supply chain financing service.Finally,the paper makes prospect on the expected effect of the supply chain financing optimizing proposal of SMEs of China Guangfa Bank,compares it with the prior proposal in terms of business process,risk management and post-loan management,advances the supporting measures for the problems occurring in the implementing process possibly,and gives the overall evaluation.