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近年来,中小企业发展对资金需要量大,主要融资渠道有民间信贷、银行信贷、自由资金等,而民间信贷对企业的长远发展不利,所以我们从银行信贷入手,寻找化解中小企业融资难的途径。供应链金融是缓解中小企业融资困境的创新金融产品。供应链金融围绕产业链开展金融服务,使处在产业链上游及下游的中小企业获得银行的信用支持,有效解决了中小企业融资难题。
In recent years, SME development needs a large amount of funds. The main sources of financing are private credit, bank credit and free money. Private credit is unfavorable to the long-term development of the enterprise. Therefore, starting with bank credit, we look for ways to solve the financing difficulties of small and medium-sized enterprises way. Supply chain finance is an innovative financial product that can ease the financing difficulties of SMEs. Supply chain financial services around the industry chain, so that in the upstream and downstream of the industrial chain of SMEs access to bank credit support, effectively solve the financing problems of SMEs.