供应链金融解决中小企业融资的优势分析

Advantages of Financial Supply Chain in Solving Financing Problems of SMEs

供应链金融在传统的物料流和信息流基础上强调资金流在整个供应链的地位。它是商业银行通过借助与中小企业有贸易关系的大企业的信用,同时依靠第三方物流等企业的参与,共同分担中小企业贷款风险的融资模式。讨论了应收账款融资、保兑仓和融通仓三种运作模式,期望为解决中小企业贷款开辟新途径,同时为银行创造新的利润点。

The paper discusses three main financing types, such as account receivable financing, confirmed warehouse and financing warehouse, in order to seek new ways for financing of small/medium sized enterprises （SME） and to create a new profit for banks as well.