基于信誉链的中小企业结构性融资创新

Structural Finance Innovation of Small and Medium-sized Enterprises

基于信誉链的中小企业融资模式——结构性融资模式是解决中小企业融资困难的一条重要途径。在这种模式下,金融机构能够从整个产业链的角度考察中小企业的融资需求,更大范围地为中小企业提供信贷服务,于此,本文着重论述了结构性融资的相关概念,并分析了结构性融资业务的主要模式、国内实践以及相关建议。

It＇s hard for small and medium-sized enterprises （SMEs） to get loans. This issue has attracted the attention of government and scholars. Financial institutions cooperate with logistics enterprises and core enterprises in supply chain to create a new financing model of SCF -- structural chain finance which provides a new solution for SMEs to get loans. In this model, financial institutions will analyze the SMEs＂ financial needs based on the whole in- dustrial chain and provide credits like mortgage loans for SMEs more widely. The article discusses concepts of structural chain finance, analyzes main financing models and introduces domestic practice and gives out some suggestions of structural chain finance.