基于供应链的中小企业贸易融资研究

供应链融资对解决中小企业贸易融资困境,发挥供应链整体竞争优势具有重要意义。供应链融资理念的树立,能为银行带来新的发展机遇。在考察了中小企业供应链贸易融资实践中存在的信用风险复杂化、供应链牢固性不强、抵质押资产甄选难度大、物流企业介入风险等突出问题的基础上,得出要优化中小企业贸易融资,必须谨慎防范信用风险、强化供应链管理、慎重选择抵质押物权,推动供应链融资产品创新、营造有利于供应链融资发展的社会环境。

Supply chain financing is significant to address the financing plight of small and medium - sized enterprises and give full play on supplying chain competitive advantages on the whole. The concept of supply chain financing will bring new develop- ment opportunities for banks. On the basis of examining some outstanding issues such as the complexity of credit risk, lack of stability of the supply chain, diffieuhy in the selection of pledge assets, and risks when logistics enterprises are involved during the practice of the supply - chain - based trade finance, this paper provides some methods to optimize the trade finance of small and medium -sized enterprises, i.e. we must be cautious to credit risks, strengthen the supply chain management, choose the real rights of mortgage and pledge carefully, propel the innovation of products in the supply chain finance, and create a good social environment for the development of the supply chain finance.