Research On SCF Alleviating The Financing Constraints Of Small And Medium-Sized

By the end of 2022,the number of small and medium-sized enterprises in China exceeded 44 million,accounting for more than 90%of the total number of registered enterprises,contributing more than 50%of fiscal taxation,more than 60%of GDP,more than 70%of technological innovation and more than 80%of urban labor employment,which is an important part of market entities.However,in the process of developing small and medium-sized enterprises,they face a series of constraints,such as macro policies,economic level,industry conditions,business strategies,etc.,but the most important thing is the financing dilemma.In this context,supply chain finance came into being.Its emergence has played an important role in alleviating the financing constraints of small and medium-sized enterprises and improving the modernization level of industrial chain and supply chain,and small and medium-sized enterprises have improved the financing difficulties they face.In addition,due to the information asymmetry deadlock between financial institutions and small and medium-sized enterprises,the allocation of data resources has been more balanced,and the income channels of financial institutions have also been expanded.This paper adopts literature analysis,case analysis,qualitative and quantitative methods.Firstly,starting from the operability and necessary value of SMEs in choosing supply chain finance solutions in the financing process are expounded,and the necessity and feasibility of SMEs adopting supply chain finance financing are demonstrated.Secondly,this paper selects Company C as a sample,analyzes the current operation and capital status of the enterprise,draws out the supply chain financing scheme designed by Company L,and demonstrates it in combination with the specific implementation contract,and uses game theory and process analysis to evaluate its effect,and believes that Company C’s choice of supply chain finance as a means to alleviate financing constraints is reasonable and can improve the current financing situation.Finally,this paper summarizes the problems encountered by Company C during the innovation of its own financing strategy and corresponding countermeasures,and puts forward reasonable suggestions to supply chain participants including banks,government agencies and other entities around the current trend of supply chain financing development,so as to promote financing credit enhancement.At the same time,this article also has certain practical significance.The enterprises selected in this paper belong to mechanical parking equipment enterprises,and the mechanical parking equipment industry has a good prospect in the context of today’s "parking difficulty" problem.By analyzing the financing problems faced by enterprises in the process of production and operation,and alleviating financing constraints,it can help the industry achieve healthy development and bring new social and economic growth points.However,this paper still has deficiencies such as lack of information and insufficient research,and because the formation of SME financing constraints is not a one-day achievement,but a legacy problem under the action of various factors,it is difficult to completely improve in the short term by relying on only one way or several arrangements.The fundamental reason for the financing constraints of small and medium-sized enterprises is still due to the shortcomings of the system and the disadvantages of their own status,and only through continuous research in future study and work,putting forward constructive and comprehensive countermeasures and suggestions,improving relevant systems,deepening cooperation between subjects,and improving the weak position of enterprises,can it be possible to fundamentally solve problems and achieve goals.