Research On Supply Chain Financing Credit Risks Of Small And Medium Sized Enterprises

At present, the small and medium-sized enterprise is an important part in the economic system of our country, it is self-evident role, has a great contribution in promoting economic growth, increasing employment rate, optimizing economic structure.A SME because of its lack of collateral and the low level of credit is difficult to obtain financing loans from banks. Supply chain financing came into being overcome credit conditions for SMEs to lower the cost of financing; it is more and more obvious advantages. Many domestic and foreign banks and financial institutions are expanding in the mode of supply chain financing based on credit business, so that to increase the profitability and help solve alone and the supply chain financing of SMEs. In the supply chain financing innovation and development under the environment of supply chain, the level of credit risk assessment of smes also produced profound change, the traditional banks and other financial institutions to measure the credit level of SMEs only a single method cannot reflect the status of the letter, in deciding whether to provide credit funds for the enterprise when the credit level evaluation, need financing from a new perspective.The purpose of this study is to explore out of a single enterprise thinking, standing in the environment of the supply chain financing point of view to analyze the credit risk of SMEs: first of all, starting from the concepts and the advantage of supply chain financing and supply chain financing and traditional bank credit; secondly, the three modes of supply chain financing were classified and summarized the characteristics and specific business processes, comparing and analyzing the three modes of credit risk prevention points; finally, the establishment of evaluation model the system of credit risk, using the Bias classification model. Supply chain financing is an effective way to solve the financing difficulties of SMEs in China, in order to make the supply chain financing more effectively play the role of core enterprise, should be combined with the upstream and downstream enterprises, establish a complete and efficient supply chain system, at the same time the market to create a good environment of the supply chain financing and banks and other financial institutional reform mode of credit business process, continue to simplify the development of supply chain financing to promote.