The Study Of SMEs’ Financing Risk Management Based On Supply Chains

With the economic globalization extends continuously, the market environment faced by the enterprises in the process of developing is getting more and more complex and the market competition is increasingly serious, thus, the competition of the single enterprise gradually turns to the competition among supply chains. In recent years, under the influence of a series of economic turbulent situations, such as the International Financial Crisis, Debt Crisis In Europe and so on, Chinese enterprises’ development has encountered such a difficult period unprecedentedly, especially the impact on the SMEs is reflected firstly, the shortage of funds, the difficulty in financing and many other problems further blockes the enlargement of SMEs. Practice has found that means of financing based on supply chains can bring many benefits for the outgrowth of SMEs, financing based upon supply chains has attracted the attention of the whole world by effectively relieving the difficulty of financing. However, in the process of innovating on the financing of supply chains boldly, even if the tiny improper operation can cause tremendous risks. Therefore, it is necessary to have a deep research on the problem of financing risk management based on supply chains. On the promise of the practicable study, the text analyses the main three modes of financing depended on supply chain and their characteristics deeply. Then the text applies Fuzzy Comprehensive Evaluation Method, builds the model of risk assessment of financing based on supply chains, after that calculates the risk index weights, and then does the case study which includes the comparative study with the traditional SMEs’ financing. Finally the text puts forward the risk control measures of financing modes based upon supply chains, providing a theoretical reference for SMEs’ financing based on supply chains.The text is divided into five chapters, the main contents as follows:(1)the study of financing mode based on supply chainsThe study investigates the needs for financing of SMEs on the condition of supply chains, and combs the main three modes of financing depended on supply chains, including prepayments financing, stock pledge financing and accounts receivable financing, moreover, the text analyzes the operating mechanism and the main risk characteristics of each financing mode in detail. (2) the study of risk assessment of financing based on supply chains——an empirical study Based on Fuzzy Comprehensive Evaluation MethodThe study analyzes the risk assessment of financing based on supply chains by putting means of empiricism into use. With the help of Fuzzy Comprehensive Evaluation Method, the study builds the model of risk assessment of financing based on supply chains, and determines the weight set through the scaling law according to the importance. In addition, the empirical analysis adds in the comparative study with the risk assessment of the traditional SMEs’ financing, and the study takes the enterprise of A in Jiangsu Province for example to do empirical test, which makes the study results more convincing.(3)the study of risk control measures of SMEs’financing based upon supply chainsDue to the previously-based theory of bedding, the study puts forward the risk control measures of financing based upon supply chains, and points out that we should improve supply chain system, enhance SMEs’ self-construction, strengthen the lending bank risk control mechanism, and give full play to the regulatory role of social credit.From the text, we draw the main conclusions as follows:Concerning on the financing mode based on supply chains, the main impact indicators in line with the degree of importance on financing risk are as follows:SMEs’ solvency, reputation, the overview of core enterprises on supply chains, the degree of cooperation and overall competitiveness on supply chains. And the conclusions on the main risk indicators is consistent with the foregoing theoretical analysis. The main risk factors about financing based on supply chains are just the ones we should pay much attention to when we carry the financing based upon supply chains out, they provide a theoretical basis for the practical operation and also pave the way for theoretical study.