Research On The Factors Affecting The Performance Of Supply Chain Financing Of Small And Medium-sized Enterprises And Countermeasures

In recent years,under the influence of the "COVID-19" and other unfavourable factors,the problem of difficult and expensive financing for SMEs has become more prominent.Supply chain financing can effectively alleviate the problem of difficult financing for SMEs.However,research has found that even among SMEs in the same supply chain,there are still significant differences in the evaluation of supply chain financing performance among SMEs when they obtain funds through supply chain financing.What are the reasons for the differences in SMEs’ supply chain financing performance? How can the performance of supply chain financing of SMEs be effectively improved? This paper attempts to answer this question.Based on the TOE framework,this paper explores the linkage effects of technology,organisation and environment conditions on the improvement of SMEs’ supply chain financing performance and the path selection of SMEs’ supply chain financing using the fuzzy set qualitative comparative analysis(fs QCA)method,using 90 SMEs involved in supply chain financing business as the research sample.The study finds that(1)individual conditions of technology,organisation and environment do not constitute the necessary conditions for high/low supply chain financing performance.In addition,the condition of supply chain capability plays a key role in the emergence of high supply chain financing performance,and the antecedent conditions at the technological level play a more important role in the formation of high supply chain financing performance.(2)The three antecedent conditions at the technological,organisational and environmental levels work together to form a diverse set of factors that drive high supply chain financing performance,i.e.the driving paths of high supply chain financing performance of SMEs are characterised by "different paths",namely "technology organisation-driven","IT-supply chain capability-driven" and "IS-supply chain capability-driven".Three different models.(3)The lack of information technology application,information sharing capability,supply chain capability and environmental competitiveness of enterprises is the reason for the low supply chain financing performance of SMEs.The above findings can provide theoretical support for enterprises’ supply chain financing practices and provide references and countermeasures for improving SMEs’ supply chain financing performance.