供应链金融背景下的中小企业融资

Financing of SME under the Background of Supply Chain Finance

随着我国经济的快速发展,中小企业已成为我国国民经济的重要组成部分。然而,由于规模小、经营风险大、财务信息不健全等原因,融资难成为制约中小企业发展的主要因素之一。中小企业的融资需求、商业银行业务转型及金融业态的多样化促进了供应链金融的产生和发展。在解决中小企业融资问题时,供应链金融利用库存融资模式、应收账款融资模式及预付款融资模式,展现了它相比于传统金融的优势所在。

With the rapid development of China＇s economy,small and medium-sized enterprises have become an important part of our national economy.However,due to the small size,large business risk,financial information is not sound and other reasons,the financing difficulties of small and medium enterprises to become one of the main factors.The financing needs of small and medium sized enterprises,the transformation of commercial banks and the diversification of financial formats have promoted the generation and development of supply chain finance.In solving the financing problems of small and medium enterprises,the supply chain finance the use of inventory financing models,accounts receivable financing model and prepayment financing model,showing its advantages compared to the traditional financial.