An Innovative Study On Finance Of SME Based On The Bank-enterprise Alliance Supply Chain

In China, the development speed of SME has been accelerated. Now the SME havebecome a great force in national economy and the social development. The fundingendorsement the SEM acquire does not balance with the great contributing the SMEdisbursement. Difficulties in financing are becoming the biggest restrictive factor of thedevelopment of the SME.Supply chain services and financial services complement each other. Upstream anddownstream firms in the supply chain obtain funds and innovative services through financialmarkets, meanwhile financial enterprises also take advantages of the rapid development of thesupply chain to open up market and provide more and more derivative products in order toincrease their own service projects and obtain wider profit margins. The combination of supplychain services and financial services is one of the main ways that the current third-partylogistics companies, financial institutions (banks) or related enterprises want to show theirtalent in the fierce competition in the market. The multi-win nature of supply chain financecause broad prospects for its business. But like the other new things, supply chain financebusiness need to constantly improve in the institutional and policy environment,multi-stakeholder involvement and risk management.In order to solve the financing problems of SME effectively, this thesis studies from theperspective of financial supply chain and is based on the theories of SME finance and supplychain finance. I read the relevant research literature systematically, describe the researchbackground and significance of the SME supply chain finance and analyze concernedliteratures systematically to explain the reasons and solutions of the small and medium sizeenterprises financing difficulty, the appearance, definition and financing advantages of supply chain finance. Then, the risks on the supply chain finance and the solutions were given. Whilethe essence of supply chain finance is reducing risk, the three fundamental supply chainfinance models called the receivable financing model, the confirmation warehouse financingmodel as well as the FTW financing model were focused on and a new financing model namedbank-enterprise alliance supply chain were put forward in this paper. The bank-enterprisealliance supply chain’s unique characteristics not only promote the stable development of theentire supply chain, but also to promote companies’ core competitiveness in the supply chain.Finally, some conclusions combined with the status economic market of China and prospectson the supply chain finance have been proposed.