Research On The Influence Of Supply Chain Finance On SMEs Credit Business And Countermeasures

Small and medium-sized enterprises are main forces in Chinese economic and social development.They are playing important roles in creating more jobs,improving people's livelihood,and promoting entrepreneurship and innovation,as well as ensuring steady growth,promoting reform,adjusting the economic structure,improving people's lives,and preventing risks.At the same time,due to the changes in the domestic and foreign market,it is obvious to see small and medium-sized enterprises facing difficult financing expensive problems.The golden decade of commercial banks has come to the end.After the rapid development,commercial banks need to reform and innovate the traditional credit business of small and medium-sized enterprises urgently,so as to promote commercial banks to find new business growth areas.How to use financial innovation to solve the financing problems of small and medium-sized enterprises is an important task for banks and financial institutions.How to seize the opportunity,meet the challenge,the supply chain finance business innovation,has become an important issue for commercial Banks.It must be taken into consideration that how to solve the financing problem of small and medium-sized enterprises.The essay analyzes the method to conduct an in-depth study on the problems and innovations faced by credit service in the context of supply chain finance.The main contents are as follows: the first part is the introduction,focusing on the significance of research and the purpose of this essay,and pointing out the innovation points of this paper.The second part clarifies relevant theories and carries on the literature review.It discusses the supply chain financing mode by collecting and summarizing theories about information asymmetry and supply chain finance.The third part analyzes the overall impact of supply chain finance on commercial Banks,as well as the opportunities and challenges for commercial Banks,as well as the impact on the traditional credit business.The fourth part is the supply chain finance to the SQ branch credit business changes and the reason analysis.The fifth part is the innovation practice of SQ Branch supply chain finance to credit business,Combining with specific credit granting customers,it designs the financing scheme,process and analysis deficiencies of e-commerce invoice supply chain,and displays the results of the scheme.In the sixth part,the author puts forward that Banks should develop exclusive supply chain plan,establish supply chain database,accelerate technological transformation,and supervisory department should strengthen supervision.The innovation of this essay lies in the design of commercial bill supply chain finance scheme from the perspective of Banks,and the research on the influence of supply chain finance innovation on the credit business of small and medium-sized enterprises of commercial Banks.This supply chain finance model is highly operable,and has been recognized by core enterprises and small and medium-sized enterprises.It is certain that it will be of great significance for the development of bank supply chain finance and small and medium-sized enterprises.