Research On Incentive Mechanism Of Credit Chain Financing In Small And Medium - Sized Enterprises

Nowadays,SMEs have become an important part of the economic system of our country. Statistics show that currently more than 99% of China’s enterprises are small and medium enterprises, the number of small and medium-sized enterprises occupy the vast number of Chinese enterprises, a large number of small and medium-sized enterprises of our country provide more than 80% of urban employment opportunities,grasp more than 65% invention patents, small and medium enterprises create the equivalent of 60% of GDP products and service. From the above several important indexes can be seen, the contribution of the Chinese economy of small and medium-sized enterprises, the creation of employment opportunities, optimize the industrial structure of our country, plays an irreplaceable role to achieve industrial upgrading etc.. In the face of the current market downward pressure on the economy,the healthy growth of SMEs has become the economy out of the dilemma of the main force of china.However, in recent years, China’s small and medium enterprises in the actual development process are facing many difficulties. The present stage our country small and medium-sized enterprises generally face financing difficulties,financing difficulties become more prominent. The financing difficulties have become a bottleneck restricting the development of SMEs, one of the main factors which affect the long-term development of China’s economy.This paper analyzes the causes of the problems and Countermeasures of difficult financing of small and medium-sized enterprises, focusing on the innovative financing mode, credit chain financing can effectively solve the financing difficulties, financing expensive problem, it is the focus of future development.In the study of chain financing credit, based on the newsboy model, quantitative analysis of the supply chain in the enterprise when not established credit chain, supply chain total revenue of capital constraint by retailers, to further verify the feasibility of the mode of financing credit chain. In addition, studies when each enterprise in the supply chain of credit chain financing, establish credibility chain alliance in different forms of retailer’s order quantity and the optimal supply chain total revenue generated.At the same time, we can see that when building a reputation chain alliance of supply chain enterprises, the total revenue of supply chain enterprises reached the maximum.The enterprises in the supply chain revenue increase, how effective, fair, equitabledistribution of profit, realize the transfer of supply chain enterprises to actively participate in the construction of the credit chain financing pattern, has the extremely vital significance to the stability and development of the supply chain. In this paper,using of Shapley value method model, using an example to realize reasonable distribution of income, have certain theoretical and practical significance of the development and application of supply chain profit distribution.