Model And Its Application SME Supply Chain Financing

Because there are no guarantees for SMEs, unsecured, report the case study fortraditional bank financing model creditworthiness of individual SMEs, most SMEscan not reach to the banks for credit requirements, so the problem of financingequipment by everyone concerned about how to solve the problem of financing SMEshas been the subject of our discussion. Some degree of supply chain finance solvesthis problem. As for the banks, how to increase their own income most of its concerns,so it devised a variety of supply chain finance products to meet market demand. Thispaper studies the supply chain finance is how to solve the problem of financing smalland medium enterprises, mainly discusses the mode of supply chain finance and itsapplications.In our supply chain financing as a new financing model, the development is notperfect, the concept of some companies it is still relatively vague. This paperintroduces the theory of supply chain financing, including the difference between thetheoretical causes of supply chain financing, SME financing difficulties reasons,meaning the supply chain and supply chain features traditional bank financing andloan business. Then, introduced the operation of the supply chain, finance,respectively, from the perspective of banks and SMEs to explore how the supply chainfinancing specific operations. Further study of the major mode of its operation,including: accounts receivable financing model, inventory financing mode,prepayments financing model, and these three were compared, explained in theprocurement, production and sales of these three how to choose the correspondingseed stage supply chain financing model. In order to better illustrate the effectivenessof supply chain financing in the practical application, the paper cites the case ofaccounts receivable financing, combined with the actual discusses the operation ofthe supply chain financing. Finally, some suggestions on how to optimize the supplychain financing model articles. Including the strengthening of cooperation in the supply chain financing of the participating subjects, to achieve full sharing ofinformation, vigorously exhibition logistics enterprises, governments to promote thedevelopment and strengthening of supply chain financing product and technologyinnovation supply chain financing.In this paper, a comparative analysis, case analysis of the supply chain financingmodel and its application were studied. The main innovation is standing supply chainfinancing SMEs and banks of a third party point of view is how to solve the problemof financing SMEs, and SMEs respectively, from the point of view of banking andfinance operation of the supply chain, in addition to the corresponding receivablescase financing models were process analysis, hoping to provide some help for thebanks involved in the supply chain finance or business.