基于供应链金融的中小企业信用风险管理研究

Research on Credit Risk Management of Small and Medium-sized Enterprises Based on Supply Chain Finance

随着社会经济融资的多样化,供应链金融作为一种新的融资模式迅速被中小企业应用,成为当前我国中小企业的主要融资方式。然而,供应链融资方式下的信用风险也随之增加。因此,本文基于供应链金融融资方式,探究了中小企业的信用风险。先对供应链金融及信用风险做了详细论述,继而分析供应链金融视域下中小企业信用风险及其致因,最后提出小企业信用风险的管理策略。

With the diversification of social and economic financing, As a new financing mode, supply chain finance has been quickly applied by small and medium-sized enterprises as the main financing mode for smes in China. However, the credit risk under supply chain financing also increases. Therefore, this paper explores the credit risk of small and medium-sized enterprises based on supply chain financing. First, the supply chain finance and credit risk are discussed in detail, and then the credit risk and its causes of smes are ana-lyzed. Finally, the credit risk management strategy of small businesses is put forward.