基于银企联盟供应链的中小企业融资分析

Financing Analysis of Small and Medium-sized Enterprise Based on the Bank-enterprise Union Supply Chain

融资困难困扰着中小企业的生存与发展,解决这个问题需要创新的思路。银企联盟供应链的核心企业作为担保方,将从合作银行获得的信用额度分配给中小企业,使其获得贷款的模式,能够较好地克服信息不对称产生的银企间的博弈行为,在解决中小企业融资困难的同时,降低银行信贷风险,维护供应链的稳定与安全,获得中小企业与核心企业、银行的多赢结果。

Financed difficult was still puzzling the small and medium-sized enterprise survival and the development, solves mentality which this question needed to innovate. The bank-enterprise alliance supply chain＇ s core enterprise to take the guarantee side, the limit of credit which obtains from the Bank for cooperative will assign gives the small and medium-sized enterprise, causes it to obtain the loan the pattern, can good gambling behavior which between the bank-enterprise overcomes the information not to be asymmetrical produces, while solves small and medium-sized enterprise financing difficult, reduces the bank credit risk, maintains supply chain the stability and security, obtains the small and medium-sized enterprise and the core enterprise, the bank wins the result.