Research On Supply Chain Financing Of Small And Medium-sized Enterprises In Commercial Banks

Whether the development of small and medium-sized enterprises(SMEs)is vigorous and orderly and healthy is related to the healthy and harmonious development of China's society and economy.However,in recent years,with the rapid change of domestic and international economic situation,the survival pressure of small and medium-sized enterprises is increasing,and profit margins are decreasing,and the fund chain of small and medium-sized enterprises has been in a tight state.Although in the past two years,the government has formulated some fiscal policy and monetary policy,even especially for SMEs.But due to the risk for business reasons,commercial banks in China are more intended to provide loans to large and mediumsized enterprises.Their willing to offer SMEs loans is still insufficient.SMEs are facing with financing difficulties.Therefore,it is always the focus of scholars and practitioners to study the difficulty and high cost of financing for SMEs in China and provide some countermeasures and suggestions.Therefore,from the perspective of supply chain financing model,this paper firstly reviews the literatures on the SMEs' financing,and summarizes the relevant theoretical basis of supply chain financing.Then,this paper expounds the supply chain financing business of commercial banks to support SMEs' financing situation,and analyses the M bank's supply chain financing business,including the positioning of the business related to supply chain finance,business and management structure for supply chain finance,development for supply chain finance,and the output supply chain finance.Then,taking the supply chain financing project of SJ wine company as the core enterprise as an example,this paper analyzes the supply chain financing mode of M bank to SMEs in detail,including the solution introduction,operation process,credit management,risk identification and response,and the output of the solution.Finally,this paper puts forward from the deep problems in M bank and other commercial banks' supply chain financing development,and puts forward the solution of supply chain strategy of SMEs' financing problem,including the optimization of the policy,improvement for the technology environment,platform construction,perfection for internal control system and education,and building the risk management system towards supply chain finance.