Research On The Construction And Application Of A Credit Rating System For Small And Medium-sized Pharmaceutical Companies Based On Supply Chain Financing Models

The pharmaceutical industry plays a pivotal role in China's national economy.In China's pharmaceutical industry,the number of small and medium-sized pharmaceutical companies is large,and the proportion of upstream raw material manufacturers or downstream pharmaceutical distributors accounts for more than 90% of the total.Although China's SMEs have great significance for China's economic development,the problem of loan financing difficulties has not been improved.To this end,this paper focuses on the supply chain financing of small and medium-sized pharmaceutical industry,provides a good supply chain financing system for the operation and management of pharmaceutical enterprises,and hopes to promote the improvement of the supply chain financial theory system.By selecting the special market of the pharmaceutical industry and taking small and medium-sized pharmaceutical enterprises as the research object,this paper first expounds the relevant theoretical knowledge of supply chain financing.Through the combination of theoretical research and empirical testing,it is demonstrated that the development of supply chain financing can be Effectively solve the financing problems of small and medium-sized pharmaceutical companies.First,based on self-compensated trade financing,transaction costs and information asymmetry,it mainly demonstrates that supply chain financing can effectively alleviate the financing dilemma of small and medium-sized pharmaceutical enterprises and improve the credit level of small and medium-sized pharmaceutical enterprises.Second,this paper Taking the financing problem of small and medium-sized pharmaceutical enterprises as the starting point,the W pharmaceutical enterprises were selected as research objects.Under the theory of analytic hierarchy process and efficacy coefficient method,the supply chain financing can improve the credit rating of smes in the pharmaceutical industry.Third,through theory Combined with empirical analysis,it is argued that the development of supply chain financing mode can help alleviate the financial pressure of small and medium-sized enterprises in the pharmaceutical industry,and proposes several countermeasures,such as the establishment of small and medium-sized financial institutions and transaction-oriented e-commerce platforms.