基于供应链金融的小微企业融资问题分析

从传统金融服务模式来看，制约小微企业融资困难的主要瓶颈因素是经营信息缺乏、融资风险高以及融资服务成本高。供应链金融作为一种创新的融资模式，为解决小微企业融资问题提供了一个新的解决方案。它是根据产品供应链上真实贸易背景和供应链主导企业的信用水平，对上下游众多的小微企业提供融资服务。我国供应链金融业务尚处于起步阶段，未来需要在供应链整体风险管理、专业人才培养以及企业信用评级体系等方面进行改进和提高。

The Analysis on Small and Micro Business Financing Problem Based on Supply Chain Finance

The three main factors which result in the difficulty on financing for small and micro business according to traditional financing mode are lack of business information, high credit risk and high operation cost. As a kind of innovative financing mode, supply chain finance is a new solution in financing for small and micro business. It can provide financial services for a lot of small and micro businesses, according to the real trade among these businesses and the credit level of the leading enterprise in the same supply chain. In China the supply chain finance is at starting stage, we should improve the risk management in the whole supply chain, the professional organization and personnel and the credit rating system on small and micro business.