基于中小微企业视角下的供应链金融研究

Research on Supply Chain Finance from the Perspective of Small and Micro Enterprises

中小微企业生产经营的融资模式,通常包括应收账款权利质押融资、预付账款融资、供应商商品订单融资等模式,依托于上下游不同企业互联的产业供应链体系,为供应链核心企业、上下游配套企业提供全面的金融服务.基于此,将中小微企业融资的不同风险要素指标分为三个等级,并利用层次分析法(G1),构建起中小微企业供应链金融的风险评价体系模型,有效解决中小微企业的融资与运营困境,提出供应链金融执行的改进完善策略,保证中小微企业正常的生产经营活动.

The financing modes of production and operation of micro,small and medium-sized enterprises usually include pledge financing of accounts receivable rights,prepayment financing,supplier commodity order financing and other modes.Relying on the industrial supply chain system interconnected by different upstream and downstream enterprises,they provide comprehensive financial services for the core enterprises of the supply chain and upstream and downstream supporting enterprises.Based on this,we divide the indicators of different risk factors about financing in micro,small and medium sized enterprises into three levels,using the analytic hierarchy process(G1)to build a risk evaluation system model of micro,small and medium-sized enterprises'supply chain finance,based on which the improvement and refining the strategies of supply chain finance implementation are put forward to solve the financing and operation difficulties of micro,small,and medium-sized enterprises effectively,and ensure the normal production and operation activities of micro,small and medium-sized enterprises.