Financing Mode And Risk Management Of SME Supply Chain

SMEs play an important role in the development of China's national economy.The number of enterprises accounts for about 99%of the total number of Chinese enterprises,and the final product and service value created accounts for 60% of the total gross domestic product(GDP).It accounts for about 50%of the total national tax revenue,provides a large number of jobs for social development,is a strong economic growth driver,and its product diversification,flexibility and rapid growth make it play an irreplaceable role.It has become the main force and power source of China's economic development.However,SMEs also have limitations in their rapid development.This is the financing problem.The problem of financing difficulties for SMEs has always been a bottleneck for the development of SMEs,which seriously restricts its own development.In recent years,the state has introduced many supportive and supportive policies at the macro level to address the financing difficulties of SMEs.Financial institutions such as banks are also innovating financial products and services to provide better financing platforms for SMEs.And the way.The supply chain financing service is based on this development.It has developed rapidly in the short span of more than ten years,and has met the financing needs of SMEs to a certain extent,and also provided new profit growth for banks and other financial institutions,point.As an emerging financing service product,the supply chain financing model is based on the entire supply chain as a whole,and the core enterprises in the supply chain and their upstream and down stream SME supply chain nodes are effectively combined.In order to help SMEs in the supply chain to increase their trust and obtain bank credit support.Therefore,for SMEs in the perspective of supply chain financing,there are more participants and operational operations.It is necessary to further develop the relevant business models in the SME supply chain financing process and the credit risk prevention and control in the financing process.Research,in order to better promote the healthy development of SME supply chain financing.On the basis of summarizing a large number of research literatures on supply chain financing at home and abroad,this paper makes a detailed study on the financing mode of SME supply chain and its risk prevention and control technology evaluation methods based on the characteristics of SMEs themselves.The article first introduces the development status and existing problems of SME supply chain financing,and conducts a detailed analysis of the main body of SME supply chain financing and financing business model from a unique economic perspective.Then it analyzes the financing risks and factors of SME supply chain financing process,and analyzes the credit risk,operational risk and market risk of SMEs in the process of SMEs,and further analyzes the financing of supply chain.Risk factors and sources of risk were summarized and summarized.Based on the analysis of the characteristics and structure of SME supply chain financing risk,and combining with the characteristics of SME supply chain financing business,a credit risk evaluation index system for SME supply chain financing is constructed.Through the use of AHP analytic hierarchy process to determine its index weights,and use the gray comprehensive evaluation method to comprehensively evaluate the index system,in order to comprehensively and systematically assess the comprehensive credit risk level of SMEs under the supply chain financing model.Finally,through case analysis,the comprehensive credit risk assessment value of SMEs under supply chain financing and non-supply chain financing mode is compared,and the indicator system is verified by examples,thus highlighting the advantages of supply chain financing from evaluating the credit risk of SMEs from the perspective of the entire supply chain.The main factors affecting the financing risk of SME supply chain were verified.At the end of the paper,combined with the status quo of China's current SME financing development,constructively put forward the count ermeasures and suggestions for the prevention and control of financing risk of SME supply chain.The article studies the prevention and control of the financing risk of SME supply chain and promotes the healthy development of SME supply chain financing.Realistic meaning.The fourth chapter is the quantitative analysis part of the article.This part mainly describes the theoretical basis of qualitative analysis and quantitative analysis,and constructs the risk evaluation model.It is the level of SME industry status,comprehensive strength,supply chain operation level and core enterprise comprehensive strength.The quantitative research has deconstructed the index system of supply chain financial credit risk assessment in detail,and then analyzes the specific quantitative operation of each indicator and the estimation of weight impact.