供应链上中小企业融资问题解析及展望

SME Supply Chain Financing Problem Analysis and Prospect

中小企业将是21世纪经济发展的主角。然而,由于中小企业规模较小、劳动生产率总体水平不高、信息透明度较低等一系列原因,造成在激烈的市场竞争中处于劣势,这种劣势尤为集中的反映在融资困难的问题上。融资难是制约中小企业发展的瓶颈,不解决中小企业融资难的问题,中小企业就很难得到长足健康的发展。文中从中小企业自身特点进行分析,全面解析了中小企业融资难的原因,接着从金融企业改革的角度明确了中小企业的市场与前景,最后指出通过供应链融资可以实现中小企业形成信誉链,融资结构更加稳固,从而实现多方共赢。

Chinese SMEs are the engine of China＇s economic growth,accounting for approximately 60% of the national GDP in 2011;covering vast majority of business and providing 80% domestic employment opportunities.They have become an important driving force in the growth of the entire national economy in the 21st century.However,the lack of sustainable competitive advantage caused by the scale of business,low level of labour productivity and information transparency,as well as many other problems has put them at a disadvantage in the fierce market competition.Furthermore,the disadvantage in the financing has caused them difficult to survive in the market.Financing difficulty is the bottleneck restricting the development of SMEs,and if the financing problem for SMEs is not alleviated the SME is difficult to obtain rapid and healthy development.This paper outlines the characteristics of SMEs and conducts a comprehensive analysis in the factors beneath financing difficulty.It researches the SMEs market prospect from the financial enterprise reform perspective and concludes that the difficulty can be alleviated through the supply chain financing-it can form credit chains,makes financing structure more stable,and to achieve win-win situations.