基于中小企业供应链融资风险分析

An Analysis of SME Supply Chain Financing Risk

由于中小企业的资质、信誉相对较差,缺乏众多银行认可的抵押物等,中小企业面临"融资难"的问题已十分突出。供应链融资作为一种新型融资渠道,以核心企业为中心环节,将供应链上的各个节点企业连成一个"供应链金融"的整体,可有效地解决中小企业"融资难"的问题。然而,这一新型融资渠道仍然存在着风险波及范围广,风险控制难等一系列难题。通过我国中小企业供应链融资现状以及中小企业供应链融资模式的阐述,对中小企业供应链融资上面临的风险进行了详细分析。

Due to the poor qualifications and the lack of pledge,SMEs have to face the financing problem.As a new financing channel,the supply chain financing links up the key companies on the chain and provides a key to the problem.However,this new financing approach still can not solve the problems,such as wide risk range and difficult risk control.This article introduces the SME supply chain financing,discusses the financing mode and analyses the financing risk.