The Study On "Logistics Finance" Financing Pattern Of Henan’s Medium-sized And Small Enterprise

Small and medium-sized enterprises in solving the employment and economic development plays an important role, especially in such a populous province of Henan province, big business is less, absorb employment ability is weaker, it shows the importance of small and medium-sized enterprises. However, compared to the role of small and medium-sized enterprises, small and medium-sized enterprises of support and development is not balanced, especially in terms of financing, which is a key factor restricting the development of small and medium-sized enterprises. The government, Banks and small and medium-sized enterprise itself are considering how to solve this problem, solve the financing problems of small and medium-sized enterprises, which is the key to solve the small and medium-sized enterprises development. Government struggling to do not know how to promote the development of small and medium-sized enterprises, Banks suffer from hands of credit funds to issue not, this is mainly due to the small and medium-sized enterprise is more difficult on loan threshold, bank check is more strict. The traditional financing model cannot solve the small and medium-sized enterprise financing problems. Demand for innovative financing models come out. Logistics financial business can well solve these problems, now more and promote economic integration, the pattern is to use Banks, small and medium-sized enterprises and logistics enterprises to solve in the process of production and sales of\"dislocation\" phenomenon, this exploit both Banks and logistics enterprises source of profits, enhanced the competitiveness of the three parties jointly, this will be the inevitable choice of reality.This paper studies the solutions to SME financing innovative mode-logistics, financial models, this study, explore financing models to adapt to the development of SMEs in Henan Province, the article is divided into six parts, The first part introduces the thesis the background and significance of domestic and international literature review and research methods and ideas, papers innovation and other aspects. The second part of the analysis Henan Province SME logistics financial model development status, this section includes the status and characteristics of the development of small and medium enterprises in Henan Province, Henan Province, the logistics industry development status of small and medium enterprises in Henan Province logistics finance financing model and achievements and advantages. The third part introduces the problems in the small and medium enterprises in Henan Province Logistics Finance financing model, including logistics finance, inadequate infrastructure, low efficiency and financing risks. The Fourth part, by domestic and foreign financing model, indicating that the advantages of the financing model, to improve on this basis, Henan Province, logistics finance financing model. The fifth part introduces how to improve the logistics finance financing model efficiency and reduce the risk financing model. The sixth part is the outlook of Henan Logistics Finance financing model, the logistics financial financing model in Henan and even China is an emerging financing model, small and medium-sized enterprises, logistics enterprises and banks, joint efforts to promote the development of the model, financing for SMEs, to change the concept, not the eyes limited to the use of an existing fixed asset loans and its own funds to expand its operations, logistics financial model can be used to solve the problem of financing. Logistics enterprises is no longer a the traditional logistics delivery and collection of money and other low-level work, in-transit supplies to grasp the advantages of accuracy of information, cooperation with banks and enterprises can play in the logistics and finance, its profitability is also a improved. Bank logistics and financial services to expand its scope of business to bring more revenue. Logistics Finance was able to make a profit multi-financing mode. Paper also exists shortages and to be improved, which need to be improved in future research.